Terri Schiavo Court Cases Essay Example | Topics and Well Written Essays - 2000 words

Terri Schiavo Court Cases - Essay Example Many contend that it may have been, yet then there were numerous contentions for this situation. Not every one of them were moral or sensible, and not every one of them happened in court. The tale of Terri Schiavo is a lot more appalling than individuals stop to figure it out. When a circumstance is so effectively preventable, how can it get so horrendously insane, and how are even the most essential choices of care taken care of? The primary concern, Terri Schiavo ought to have been alive today, and perhaps even perfectly healthy. Terri Schiavo endured a heart failure because of a dietary issue on February 25th, 1990. She was without oxygen for a few minutes and afterward slipped by into a state of extreme lethargy. Her trance like state at that point advanced into a Permanent Vegetative State. For a long time, she stayed in that state, until her taking care of cylinder was at long last evacuated once and for all on March eighteenth, 2005. She kicked the bucket thirteen days after the fact, finishing a multi year fight with such a significant number of players, but then not many concrete, agreeable, answers (Quill, 2005). Terri Schiavo was in a Permanently Vegetative State, otherwise called PVS. While specialists attempted to contend that she was in a Minimally Conscious State (MCS), at her dissection, it was affirmed that she had been in a PVS. The contrast between the two conditions is slight. Those patients who are in a PVS are ignorant of self and condition; they may make signals, sounds, and eye developments. These conduct, anyway are automatic. Individuals in a MCS know about self and condition, however can unfortunately communicate it a limited amount of a lot. They can't talk, yet their signals, eye developments, and vocalizations are a purposeful endeavor to speak with people around them (Winslade, 2007). While Schiavo’s state was viewed as irreversible, there is significantly more that may have been gained from her had she endure. Studies have demonstrated that a few patients in a PVS can recover some degree of awareness. Some may live for quite a long time in a PVS and start to recup erate some awareness. Basically, it truly is difficult to state

No Essay Example | Topics and Well Written Essays - 1000 words - 2

No - Essay Example sister will what's more give a conversation on the proposals of what are to be done so as to improve the benefit execution of the business later on. The accompanying examinations are the plausible purposes behind the decrease of the industry’s benefit as per the London’s time and tide (2011) paper clarification. As indicated by the Excellence Clothing Company diary of 2014, there is a general reduction in base of income for the organization. The income of the business declined from  £255063 to  £215623 from the years 2013 to 2014. Since benefit is a direct related capacity of income, that is benefit = income †(cost of deals). Such a decrease in income therefore prompts misfortune acknowledgment or benefit decay. There can be a lot of variables that may prompt such a decrease in incomes. The strategies of London have been end up being oblivious on the attire businesses. The arrangements have not considered any motivating force offer to be given to the business. There are likewise assortments of severe prohibitive activities forced by the London arrangements that have exposed the business to numerous activity roofs (Clutterbuck, and Crainer, 2012). This implies the organization can't work past a specific set degree of creation regardless of whether it has the limit of doing as such. T he vast majority of the approaches particularly those by the London government have forced immense measure of tax assessment on the business in the year 2014. The business is being burdened enormously in situations where the apparel crude materials to be utilized are imported. The custom obligation to be paid in such instances of crude materials importation have been slicing somewhere down in to the measure of cost costs that are to be paid by the business. The organization is also expected to be paying extract obligations month to month and presenting their profits for extract obligation charges. The previously mentioned expenses of tax collection are of a negative effect on the businesses incomes. Since such expenses must be paid by the business through creation withdrawals and findings

Secrets and Strategies for Maintaining Balance

Secrets and Strategies for Maintaining Balance Stress Management Management Techniques Print Maintaining Balance in Your Lifestyle Maintaining Balance: Avoid Imbalance in Your Life By Elizabeth Scott, MS twitter Elizabeth Scott, MS, is a wellness coach specializing in stress management and quality of life, and the author of 8 Keys to Stress Management. Learn about our editorial policy Elizabeth Scott, MS Updated on June 24, 2019 Bernd Opitz/ Getty Images More in Stress Management Management Techniques Physical Techniques Relaxation Time Management Effects on Health Situational Stress Job Stress Household Stress Relationship Stress Theres a lot of buzz about maintaining balance right now. Its important to do it. Ideally, we should all maintain a mix of work and play, of things we have to do and things we want to do, of things that drain us and things that feed us. We also need to carve out enough time for sleep, relationships that sustain us, exercise, healthy meals and other life-affirming activities (sex!) in our lives so we dont drown in only work and chores. But what does maintaining balance look like? Sometimes maintaining balance can be messy. Even when we find overall balance in our lives, there are going to be times when we are overloaded, times when we realize we need to pare down, and times when we cant pare down right away, but can work toward greater balance in the near future. If you find yourself in that position, dont stress about it; thats part of maintaining balance, too. To illustrate my point, try balancing on one foot. (Seriously, I encourage you to actually try it now.) Do you notice that you sometimes find yourself leaning in one direction and, in order not to fall, have to right yourself by leaning in the opposite direction? If you just stayed perfectly still, youd fall. Maintaining balance isnt about staying perfectly still; its about recognizing when youre getting out of balance, and righting yourself. Constantly. I do this in my own life and, quite honestly, there are times when I need to adjust slightly to be back in balance, and other times when I need to adjust quite a bit. There are times when I feel myself getting a scratchy throat and realize that my body is telling me that I need to get back in balance quickly or Ill get sick. I listen to my body and my emotions, and I make the necessary changes to stay in balance (or I listen to wise friends who encourage me to do so). Staying in balance looks different for everyone, as we all have different needs for balance, different variables we work with in our lives, different levels of tolerance for imbalance, and different resources available to us, among other things. Below are a few different balance-finding ideas to help you in maintaining balance, so you can right yourself when you find that you need to shift back to your center of balance. Take a Mental Health Day The movie Ferris Bullers Day Off, a favorite film of mine that depicts a high school senior making the most out of a day of playing hookey, became a classic for a reason: people everywhere can identify with the need to take just one day off from the pressure or monotony of life, and do anything and everything possible to make it count. You may not spend the day singing in parades, eating in fancy restaurants or trying not to be run over by your jealous sister, but spending one day in a way that feels restful or fulfilling for you is the trick. Use your imagination!When and How To Take A Mental Health Day Just Say No Think about all the things you need to do. Which ones do you want to do, and which ones do you have to do? Ideally, there should be a mix of both. When working on maintaining balance, you can do two things that involve saying no, and both can make a big impact. First, see if there are any have to items you can cross off of your list. (Think of your own wellbeing and try to make the right choice.) Second, be sure that all of your want to items really bring you joy and feed you emotionally. If theyre just sort of worth the time, cross them off and start doing something thats really worth your time. When time is scarce, make every moment count.How To Cut Down On Obligations That Cause Stress Ask For Help It can sometimes be easier for an outsider--someone who is not you--to see not only when youre getting out of balance, but recognize what you can do to get back into balance. Everything in your busy schedule may seem vital (and sometimes it is) but if theres something that may be more easily let go, its often a good friend, close relative, or spouse who can help you recognize that. If you dont have that kind of supportive person or persons in your life, it may even be worth finding help from a professional, either from a life coach or, in more serious stress situations, a therapist. These professionals have an arsenal of resources to help you to manage your stress, and can also help you to change thought patterns and coping strategies that may be contributing to your stress levels. Next Steps These three strategies can work wonders for those who are already at a breaking point and need to regroup. However, once you regain balance in your lifestyle, or if youre not feeling that youre at a point of crisis yet but youd like to avoid it, there are some ongoing strategies that can be practiced daily that can help as well. The strategies below can help you to maintain internal emotional balance as well as balance in your life. 7 Tips for Finding Balance When Youre Stressed and Busy17 Highly Effective Stress Relievers

Secrets and Strategies for Maintaining Balance

Secrets and Strategies for Maintaining Balance Stress Management Management Techniques Print Maintaining Balance in Your Lifestyle Maintaining Balance: Avoid Imbalance in Your Life By Elizabeth Scott, MS twitter Elizabeth Scott, MS, is a wellness coach specializing in stress management and quality of life, and the author of 8 Keys to Stress Management. Learn about our editorial policy Elizabeth Scott, MS Updated on June 24, 2019 Bernd Opitz/ Getty Images More in Stress Management Management Techniques Physical Techniques Relaxation Time Management Effects on Health Situational Stress Job Stress Household Stress Relationship Stress Theres a lot of buzz about maintaining balance right now. Its important to do it. Ideally, we should all maintain a mix of work and play, of things we have to do and things we want to do, of things that drain us and things that feed us. We also need to carve out enough time for sleep, relationships that sustain us, exercise, healthy meals and other life-affirming activities (sex!) in our lives so we dont drown in only work and chores. But what does maintaining balance look like? Sometimes maintaining balance can be messy. Even when we find overall balance in our lives, there are going to be times when we are overloaded, times when we realize we need to pare down, and times when we cant pare down right away, but can work toward greater balance in the near future. If you find yourself in that position, dont stress about it; thats part of maintaining balance, too. To illustrate my point, try balancing on one foot. (Seriously, I encourage you to actually try it now.) Do you notice that you sometimes find yourself leaning in one direction and, in order not to fall, have to right yourself by leaning in the opposite direction? If you just stayed perfectly still, youd fall. Maintaining balance isnt about staying perfectly still; its about recognizing when youre getting out of balance, and righting yourself. Constantly. I do this in my own life and, quite honestly, there are times when I need to adjust slightly to be back in balance, and other times when I need to adjust quite a bit. There are times when I feel myself getting a scratchy throat and realize that my body is telling me that I need to get back in balance quickly or Ill get sick. I listen to my body and my emotions, and I make the necessary changes to stay in balance (or I listen to wise friends who encourage me to do so). Staying in balance looks different for everyone, as we all have different needs for balance, different variables we work with in our lives, different levels of tolerance for imbalance, and different resources available to us, among other things. Below are a few different balance-finding ideas to help you in maintaining balance, so you can right yourself when you find that you need to shift back to your center of balance. Take a Mental Health Day The movie Ferris Bullers Day Off, a favorite film of mine that depicts a high school senior making the most out of a day of playing hookey, became a classic for a reason: people everywhere can identify with the need to take just one day off from the pressure or monotony of life, and do anything and everything possible to make it count. You may not spend the day singing in parades, eating in fancy restaurants or trying not to be run over by your jealous sister, but spending one day in a way that feels restful or fulfilling for you is the trick. Use your imagination!When and How To Take A Mental Health Day Just Say No Think about all the things you need to do. Which ones do you want to do, and which ones do you have to do? Ideally, there should be a mix of both. When working on maintaining balance, you can do two things that involve saying no, and both can make a big impact. First, see if there are any have to items you can cross off of your list. (Think of your own wellbeing and try to make the right choice.) Second, be sure that all of your want to items really bring you joy and feed you emotionally. If theyre just sort of worth the time, cross them off and start doing something thats really worth your time. When time is scarce, make every moment count.How To Cut Down On Obligations That Cause Stress Ask For Help It can sometimes be easier for an outsider--someone who is not you--to see not only when youre getting out of balance, but recognize what you can do to get back into balance. Everything in your busy schedule may seem vital (and sometimes it is) but if theres something that may be more easily let go, its often a good friend, close relative, or spouse who can help you recognize that. If you dont have that kind of supportive person or persons in your life, it may even be worth finding help from a professional, either from a life coach or, in more serious stress situations, a therapist. These professionals have an arsenal of resources to help you to manage your stress, and can also help you to change thought patterns and coping strategies that may be contributing to your stress levels. Next Steps These three strategies can work wonders for those who are already at a breaking point and need to regroup. However, once you regain balance in your lifestyle, or if youre not feeling that youre at a point of crisis yet but youd like to avoid it, there are some ongoing strategies that can be practiced daily that can help as well. The strategies below can help you to maintain internal emotional balance as well as balance in your life. 7 Tips for Finding Balance When Youre Stressed and Busy17 Highly Effective Stress Relievers

Latin-Based Words for Colors and Other Things

English has a lot of  words of Latin origin. In fact,  60  percent  of the English language comes from Latin. Here are some Latin words—in this case, adjectives—for colors: prasinus, -a, - um:  greenpurpureus, -a, -um:  purple (purple)caeruleus, -a, -um:  blue (cerulean)lividus, -a, -um:  black and blue (livid)niger:  black (denigrate)ater, atra, atrum:  black (dark) (atrabilious)fuscus, -a, -um:  dark (obfuscate)ravus, -a, -um:  graycanus, -a, -um:  gray or white (hair)albus, -a, -um:  white (alb)flavus, -a, -um:  yellow (pale) (riboflavin)fulvus, -a, -um:  golden yellowcroceus, -a, -um:  saffron (crocus)ruber, rubra, rubrum:  red (rubella)roseus, -a, -um:  rose-red (rose) Other Latin Words Imported Into English Some Latin words are changed to make them more like English words, often  by changing the ending (e.g., office from the Latin officium), but other Latin words are kept intact in English. Of these words, some are unfamiliar and are generally italicized or placed in quotation marks to show that they are foreign, but others are used with nothing to set them apart as imported. You may not even be aware that they are from Latin. Here are some such words: Latin Word Definition English Derivatives villa villa, house villa, village, villager alta tall, high, deep altitude, altimeter, alto antiqua antique, old antique, antiquity, ancient longa long longitude, longevity, long magna large, great magnify, magnificent, magnitude pictura picture picture, picturesque, pictorial nova new novice, novel, novelty, nova, Nova Scotia terra land, earth terrier, terrace, terrestrial, terrain prima first prime, primary, primitive, primeval sub under subway, subterranean, suburban corna horn cornucopia, cornet, clavicorn est is estate, establish, essence habere have have, habit, habitual casa small house casino via street via parva small parval, parvanimity lata wide, broad latitude, lateral, latitudinal bona good bonus, bonanza, bona fide copia plenty copious, cornucopia, copiously fama fame fame, famous, infamous provincia province province, provincial, provincialism multa many multitude, multiple, multiplex nominare to name nominate, nominal, name, nominative postea later postlude, postgraduate, posthumous non not nonfction, nonmetal, nonexistent in in in aqua water aquatics, aquarium, aqueduct, aqueous agricola farmer agriculture bestia beast bestial, bestiality figura figure, shape figure, figurine, figment, figurative flamma flame flame, flamboyant, flambeau herba herb herb, herbivorous, herbage insula island insular, insulate, insularity lingua language language, lingual, linguistics nauta sailor nautical, nautilus pirata pirate pirate, piratical schola school scholar, school, scholastic alba white albino, albinism albumen amica friendly amicable, amicability, amity beata happy beatific, beatify, beatitude maritima sea maritime mea me me, my mira strange miracle, miraculous, mirage nota noted noted, note, notice, notable, noticeable obscura dark obscure, obscured, obscurity periculosa dangerous perilous, peril propinqua near to propinquity pulchra beautiful pulchritude quieta quiet quiet, quietude, disquiet circum around circumstance, circumnavigate, circumspect filia daughter filly, filial folium leaf foliage, foliaceous, foliar aureus golden aurorial, aurorean, aurous plumbeus leaden plumbing, plumbous, plumbic, plumbeous mutare to change mutation, commute, transmute vulnerare to wound vulnerable, invulnerable, vulnerary vitare to avoid inevitable, inevitably, inevitability morbus disease morbid, morbidity, morbific populus people populous, population, popular radius ray radius, radial, radiation arma arms (weapons) arms, armed, armament, army saxum rock saxatile, saxicoline, saxifrage evocare call forth evoke, evocable, evocator femina woman feminine, effeminate, femme densa thick dense, densely, density territa frightened terrified, terrific Translating Latin Into English Whether you want to translate a short English phrase into Latin or a Latin phrase into English, you cant just plug the words into a dictionary and expect an accurate result. You cant with most modern languages, either, but the lack of one-to-one correspondence is even greater between Latin and English.

Only the President Can Veto Bills

The U.S. Constitution grants the President of the United States the sole power to veto—say â€Å"No†Ã¢â‚¬â€to bills passed by both houses of Congress. A vetoed bill can still become law if Congress overrides the president’s action by obtaining a supermajority vote of two-thirds of the members of both the House (290 votes) and the Senate (67 votes).    While the Constitution does not contain the phrase â€Å"presidential veto,† Article I requires that every bill, order, resolution or other act of legislation passed by the Congress must be presented to the president for his or her approval and signature before it officially becomes law. The presidential veto clearly illustrates the function of the system of â€Å"checks and balances† designed for the U.S government by the nation’s Founding Fathers. While the president, as head of the executive branch, can â€Å"check† to the power of the legislative branch by vetoing bills passed by Congress, the legislative branch can â€Å"balance† that power by overriding the president’s veto. The first presidential veto occurred on April 5, 1792, when President George Washington vetoed an apportionment bill that would have increased the membership of the House by providing for additional representatives for some states. The first successful congressional override of a presidential veto took place on March 3, 1845, when Congress overrode President John Tyler’s veto of a controversial spending bill.    Historically, Congress succeeds in overriding a presidential veto in less than 7% of its attempts.For example, in its 36 attempts to override vetoes issued by President George W. Bush, Congress succeeded only once. The Veto Process When a bill is passed by both the House and Senate, it is sent to the presidents desk for his signature. All bills and joint resolutions, except those proposing amendments to the Constitution, must be signed by the president before they become law. Amendments to the Constitution, which require a two-thirds vote of approval in each chamber, are sent directly to the states for ratification. When presented with legislation passed by both houses of Congress, the president is constitutionally required to act on it in one of four ways: sign it into law within the 10-day period prescribed in the Constitution, issue a regular veto, let the bill become law without his signature or issue a pocket veto. Regular Veto When Congress is in session, the president may, within the 10-day period, exercise a regular veto by sending the unsigned bill back to the chamber of Congress from which it originated along with a veto message stating his reasons for rejecting it. Currently, the president must veto the bill in its entirety. He may not veto individual provisions of the bill while approving others. Rejecting individual provisions of a bill is called a line-item veto. In 1996, Congress passed a law granting President Clinton the power to issue line-item vetoes, only to have the Supreme Court declare it unconstitutional in 1998. Bill Becomes Law Without Presidents Signature When Congress is not adjourned, and the president fails to either sign or veto a bill sent to him by the end of the 10-day period, it becomes law without his signature. The Pocket Veto When Congress is adjourned, the president can reject a bill by simply refusing to sign it. This action is known as a pocket veto, coming from the analogy of the president simply putting the bill in his pocket and forgetting about it. Unlike a regular veto, Congress has neither the opportunity or constitutional authority to override a pocket veto. How Congress Responds to a Veto When the President returns a bill to the chamber of Congress from which it came, along with his objections in the form of a veto message, that chamber is constitutionally required to reconsider the bill. The Constitution is silent, however, on the meaning of reconsideration. According to the Congressional Research Service, procedure and tradition govern the treatment of vetoed bills. On receipt of the vetoed bill, the Presidents veto message is read into the journal of the receiving house. After entering the message into the journal, the House of Representatives or the Senate complies with the constitutional requirement to reconsider by laying the measure on the table (essentially stopping further action on it), referring the bill to committee, postponing consideration to a certain day, or immediately voting on reconsideration (vote on override). Overriding a Veto Action by both the House and the Senate is required to override a presidential veto. A two-thirds, supermajority vote of the Members present is required to override a presidential veto. If one house fails to override a veto, the other house does not attempt to override, even if the votes are present to succeed. The House and Senate may attempt to override a veto anytime during the Congress in which the veto is issued. Should both houses of Congress successfully vote to override a presidential veto, the bill becomes law. According to the Congressional Research Service, from 1789 through 2004, only 106 of 1,484 regular presidential vetoes were overridden by Congress. The Veto Threat Presidents often publicly or privately threaten Congress with a veto in order to influence the content of a bill or prevent its passage. Increasingly, the â€Å"veto threat† has become a common tool of presidential politics and is often effective in shaping U.S. policy. Presidents also use the veto threat in order to prevent Congress from wasting time crafting and debating bills they intend to veto under any circumstances.

Interview And Design Interview - 1344 Words

This week, we are interviewing Andrew Kopac, owner of Kopac Design LLC, a custom design and build company based in Fairfield County, Connecticut. The largest aspect that jumped out with Andrew is his current journey through architecture school and his hardships involved within. Lets see what Andrew has to say. Tell us a brief over about your company. Kopac Design LLC, is a licensed and insured home improvement design and build business. Currently, I am the only member but am steadily looking to hire in the coming months. The company started with many custom cabinetry units from single bathroom vanities to full behind bar cabinet setups. Most projects include renovation work with extravagant trim work. Each and every one of our clients†¦show more content†¦That’s correct, you see there have been many hardships within my journey throughout architecture school up to this point. Without getting too far off topic, I was ready to drop out of my University each and almost every semester since the start of my education here for Architecture. I was getting bored and what seemed to be far off topic from what I wanted to learn. The reason I enrolled for school had nothing to do with my parents expectations, it has to do with myself and wanting to learn more within the construction field. Graduating from a Technical High Scho ol with a focus in construction, I have held many jobs from a cabinet designer, custom home builder, house flippers and even other contractors. As I experienced more projects, I wanted to have a hand in designing every aspect within a residential home. I started to explore 3-D programs in High school and received my first design and build project, building a solid oak vanity. This project blossomed into the business I run today. There are so many details but with all of those details in mind, I didn’t feel challenged enough in school, I was getting bored. I will gladly work 14 hour days in my business each day, by no means am I lazy, I’m a hustler and I wont stop until I achieve my goals and beyond. Long story short, after this past summer my company was evolving faster than ever. I wasn’t only getting more jobs that IShow MoreRelatedDesign Thinking and How It Will Change Management Education: An Interview and Discussion8683 Words   |  35 Pages.............. ........................ Design Thinking and How It Will Change Management Education: An Interview and Discussion DAVID DUNNE ROGER MARTIN Joseph L. Rotman School of Management Roger Martin, dean of the Rotman School of Management, University of Toronto, is interviewed on the subject of â€Å"design thinking†Ã¢â‚¬â€approaching managerial problems as designers approach design problems—and its potential impact on management education. 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What teaching practicesRead MoreMy Experience With Parenting And Home Schooling1642 Words   |  7 Pagesqualitative research method and design, engaging participants through a research interviewing and obtaining information about the participants’ live experiences and transcribing the data (Caswell, 2007).To interview the participant, I formulated the research problem; what is your experience with parenting and home schooling. I generated research open-ended research interview questions for a one and one interview with the participant. The purpose of the research interview to gain experiences in collecting

Child Care Centers V. Family Care free essay sample

To send your child to day-care or not to send your child to daycare: that is the question. Whether ‘tis nobler in the mind to enjoy the comforts of family, or to leave your child with daycare professionals. Leaving a child with a family member or in a day care is a tough decision and has many differences that impact your child. There are many factors to consider before choosing between family care and daycare centers such as your budget, safety, social, and educational concerns. Having a relative take care of your children will greatly benefit their development through the personalized attention they will receive. However, such attention would be absent at a day care center with a wide variety of age groups. Family members have a much stronger attachment to each other, while there is often a lack of direct interaction between children and day-care workers. This strong attachment is especially handy in emergency cases or unexpected changes where family is easy to contact, willing to accommodate, there to comfort your child. We will write a custom essay sample on Child Care Centers V. Family Care or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Since most daycare centers have one-to-six ratio of workers to children, your child may not get the full attention they deserve or require. This may cause children to be neglected or bored, leading them to resort to misbehavior since they are not receiving and adult’s necessary attention. An additional disadvantage of daycare centers is that they are closed on holidays. This may cause inconvenient changes in your schedule. While family care comes with its own issues, day care is in no way problem free. For in many families, a big concern in making the decision between using a day-care provider or staying at home is the expense. For the most part, family members tend to pay little or no money for services. The main benefit of using a family member to take care of your child is that relatives take care of the children in an act of love and often refuse to accept money. This way, childcare is considered to be a family bonding experience for free! Conversely, daycares can be very pricey. Although your child receives a social environment and an early education, daycare centers can sometimes be unaffordable. According to doodledays. com, a esource for parents on child care matters, Californians pay $7,856 annually for a 4-year olds in child day care centers, whereas a 4-year old in family care would cost $6,596. Saving almost $ 1,300 is a big reason to utilize family care in our current economic crisis. Daycare centers are often exceptional at providing proper education and sanitation for your child. In regards to education, some families tend rely on T. V. as a substitution for real educational material, skills, and a strong intellectual foundation which is the basis for early learners. Often, family members might lack the skills and experience that day care workers have. On the contrary, day care centers have trained staff that have a degree in child development and most importantly experience with children. Day care centers provide tools and activities that are age appropriate for your child to enhance different skills. The second factor, sanitation, is sometimes poorly handled by families. Messy or dirty habits of family members can cause your children to become sick or weaken their immune systems. Instead, day care centers are required to have sanitary facilities. Day care providers even have health policies that ask parents to keep their sick children at home to protect other children. Not only are daycare centers clean but, they also provide a safe-social environment for your child that relatives may not have. A relative’s house may be dangerous for your child because she may have antiques, expensive or household items lying around or in reach of your child. Daycare centers were designed to have a child- safe environment that keeps hazardous material away from children. Another great aspect of daycare centers is the availability of a social background that encourages children to converse and has an established character building program learn new words. While daycare centers can provide your child with an educational environment in a clean setting, they can also leave your child without any necessary interaction costing you upwards of one thousand dollars. Family care, while much cheaper, can leave your child without the important structure of a day care center that is able to prepare them for school. Truthfully, the choice is based on your family’s and your extended family’s experience looking after children as well as on the reputation of the day care centers in the area. By weighing the advantages of both options, you shall determine what is best for your child.

4 ways your job can impact your health

4 ways your job can impact your health It’s one thing to dislike your job, but it’s another if it’s making you sick. If you’ve been feeling physically and mentally worn down lately and can’t seem to shake it, maybe it’s time to take a hard look at your work life to see if it’s the cause of your health issues. Of course you have to go to work, but recognizing where problems exist and making even small changes can start to put you on the road to wellness. Are you sedentary all day?According to a study done by the American Heart Association (AHA), even if you fit exercise into your life, sitting all day every day can negate the health benefits you’ve gained. The solution? Move even more- as much as you can. Make sure to get up and walk around every hour or so. Walk to the kitchen for water once an hour. Take an office lap every other hour. Get up and get your blood flowing whenever possible.Does your commute stress you out?If you’re spending a ton of time getting to and from work, it’s likely taking a toll on your life attitude. One study done in the United Kingdom earlier this year found people with long commutes are more likely to suffer from depression and work-related stress. If your commute is longer than 10 miles by car or 30 minutes by bus or subway, then it might be negatively impacting your life. You can’t help where your office is located, but do everything you can to make the travel time as restful and enjoyable as possible: try downloading a fun podcast or listening to music that will start your day off right.Are you way overworked?If all your waking hours are spent thinking about work or being at work, you’re likely neglecting all other aspects of your life. In fact, according to a recent study, if you work more than 39 hours a week, your mental and physical health will start to decline. Even if you’re on your couch in pajamas, if you’re logged in and constantly monitoring your work emails the n you’re not getting proper rest. Dedicated time to focus on yourself, your friends, and your family is crucial to maintaining balance- at some point, you need to be able to shut things off and not be at work.Are you surrounded  by germs? (You are.)Did you know that your keyboard, mouse, mousepad, and even I.D. badge are all germ factories? Scary but true: your keyboard in 20,000 times dirtier than a toilet seat. And then there are all the hands you shake and doorknobs or faucets you turn in the course of a day. You’re in an enclosed space with tens or hundreds of people every day- start carrying around that hand sanitizer. And if your office is open plan? It might encourage more collaboration, but it also encourages sharing whatever bug is going around. You might find you’re getting sick more and more often, just by coming to work. Take your vitamins, keep your space clean, and get fresh air when you can throughout the day.Notice a theme here? If you take mom ents out of your day to make sure you are taking care of yourself, your overall health will start to improve.

How is the theme of redemption explored in A Christmas Carol Essays

How is the theme of redemption explored in A Christmas Carol Essays How is the theme of redemption explored in A Christmas Carol Paper How is the theme of redemption explored in A Christmas Carol Paper Essay Topic: A Christmas Carol A Christmas Carol was written by Charles Dickens in the mid nineteenth century depicting the social and economic life of the working people in London. The appalling conditions under which the people had to work is in sharp contrast with the ways the rich people lived in luxury. Most of the people, especially the poor, lived in a rejected environment and had to work long hours with little wages, thus enduring hardship. Children, as young as six, are made to work in order to support their families expenses. Although the rich people had a lot of money, they did not help the poor. They thought that people became poor because they were lazy and did not do enough work. Dickens chose to call his story a song because of the Christmas hymn, Tis season to be jolly. He wants us to remember the poor by giving and sharing in the special time of Christmas. He wants to express the spirit of Christmas from a Christians point of view. This includes hymns and charities as well as remembering the joyful time about the birth of Jesus Christ. Also, he wants us to know the meaning of true Christmas. Finally, Dickens chose the Christmas setting for his novel to help us explore the character of Scrooge. The novel consists of staves instead of chapters (a stave is a musical score). The different staves are like parts of the tune, which makes up the whole song, and the book is the song. This might be another reason why he chose this title. STAVE ONE, MARLEYS GHOST The main character in this book is called Ebenezer Scrooge. In the beginning of the book, this character arouses a curious ambiguity in the readers response towards him. In stave one itself, the writer promptly describes him as a tight-fisted hand at the grindstone, Scrooge! A squeezing, wrenching, grasping, scraping, clutching, covetous old sinner! Hard and sharp as flint, from which no steel had ever struck out generous fire; secret, and self-contained, and solitary as an oyster. His attitude is so bad that Even the blindmens dogs appeared to know him; and when they saw him coming on, will tug their owners into doorways and up courts; and then will wag their tails as though they said, No eye at all is better than an evil eye, dark master! This cold-blooded, miserly, rude, greedy and extremely selfish old man works in a counting house in London. Although he is rich, he is very tight with his money. He pays his employee, Bob Crachit, little wages and leaves the latter shivering in his office because he refuses to spend money on coal for a fire on anyone except himself. Moreover, he hates Christmas. Because of this, he is reluctant to give Mr Crachit a day off for Christmas. It shows how callous he is in ignoring basic rights for workers. He is also rude to his nephew, who comes to invite him to a Christmas dinner party. Scrooge refuses the invitation and calls Christmas a humbug. He then forces his nephew out of his office. His attitude towards the poor is also repulsive. He has no consideration for them. He treats them as a dozen of lazy people and wonders why he should provide for them. Scrooge looks down upon the charity collectors because he simply states that the poor should die because they are simply useless to the world. He argues that prisons are the only charities he cares to. Through Scrooges implicit defense of the poor laws, Dickens dismisses the excuses of the indifferent upper class as irresponsible, selfish and cruel. Dickens has used both simple and sophisticated language to present and develop Scrooges character. He uses anti-Christian terms whenever he has Scrooge speaking. For instance, he spits out an angry word Bah Humbug, in response to his nephews sincere merry Christmas. Also, when he enters his apartment after seeing Marleys ghost on the door knocker, he says, a disgusted Pooh-pooh! Even before the arrival of Marleys ghost, the atmosphere is fairly tense. Dickens describes Scrooge as a thoroughly unhappy person. Scrooge took his melancholy dinner in his usual melancholy tavern. This means that Scrooge is already in a low spirit. Scrooge then passes the yard, which the writer describes as, so dark, that even Scrooge who knew its every stone was afraid to grope with his hands, he then approaches the door of his apartment; there he suddenly comes face to face with Marley. At first, he could not believe his eyes and thinks it is some kind of hallucination. Can it really be Marley? But he is not dead as a door nail. When he enters his house, he checks the back of the door knocker, but could not find anything, apart from the bolts that held the door knocker in place. He shakes his head and runs up the stairs. He double locks his door to his room and is about to take the gruel for his cold. When, at that moment, he senses a chill blowing through the rooms and the papers start to fly around. His apartment is described as a gloomy suite of rooms which are old and dreary. The wind gets stronger, the clock strikes and the disused bell rings. The door to his room flings open, Marleys ghost, dressed in chains, appears and stood in front of him. Instantly, Scrooge receives a terrific shock and he screams. He kneels down before Marley and wants to know what the deceased has come here for. The arrival of Marleys ghost may scare young readers, but it definitely makes us realise that material wealth is not everything on earth, because it helps to increase our burden in the life thereafter, ( the life to come after resurrection ). This gives Scrooge a sense of realisation about his bad nature and persuades him to make a change before it is too late. Although Scrooge is dumbfounded with fear, this visit makes him think back of all the bad things he has done to the community.

Research paper- movie JFK 1991 Essay Example | Topics and Well Written Essays - 1500 words

Research paper- movie JFK 1991 - Essay Example The film is an indication of what happened in Dallas and why there is still much insistent misperception in adjacent the whole incident. The film was principally reliable in its key influences which to some extent are factual. Some of the characters in the film are fictional comprising Willie O’Keefe while other is real titles of people such as General Edward, a designation constructed upon a tangible person. The film through its characters that are non-existent and its atmosphere seems to convey this assassination in a good life changing way. The events in this film are simplified to streamline a narrative; the film unbolts with a biography medley awarding Kennedy as essential progressive leader who saddened the formation and consequently found himself on the highway to murder. The happenings in this picture are varied in with re-formed imaginary material and seguehooked on the movie itself without difference making an inconspicuous but definite claim for documentary accuracy level. Oliver was in dread that his identifiable district might have been convoluted in the whole presidential assassination process, finally he goes to Washington to encounter unknown and unnamed administration insider who played with shameless intelligence by Donald Sutherland. Movies and drama have been used by various artists to discuss various important issues that affect man and the society. It is through such visual imitation of real happenings that acts to inform the viewers and the general public of the happenings around them. It is with this in mind that the director of the movie "JFK" 1991 tries to make Americans and the whole world understand the circumstances under which president John F. Kennedy died on 22 November 1963. Through the dramatization of events surrounding his death through a movies’ point of it becomes easy to understand the reality of the assassination. Though critics of the movie have disagreed in the way and mannerism used to bring the whole iss ue of the assassination into being and if there was conspiracy among the Government officials to assassinate him. The movie has had a big impact in the lives and understanding of the assassination plan (Mark, 1996). Though the movie has deviated to some degree on circumstances under which the assassination was planed it still has managed to use the historical facts to portray its authenticity. In the plot of the movie the basic facts identified after investigation by warren commission revealed that the president’s assassination was carried out by Lee Harvey Oswald. In addition the movies twist and emphasis on conspiracy is brought in by facts that were isolated by the United States House Select Committee on Assassinations. In its facts in 1978 differed with the findings of warren commission and concluded that the assassination was a conspiracy. (Wicker,1963). It is within this frame work that the film is developed though some scenes have been made to appear too much fiction. This is based on the findings that further gave evidence that the evidence provided in the warren commission had been tempered with. United States House Select Committee on Assassinations also claimed that there was a another person who fired the gunshots apart from Oswald therefore authenticating the aspect of conspiracy that the movie explores. It is through proper characterization that the movie portrays its theme in a more realistic manner. The

International corporate governance Coursework Example | Topics and Well Written Essays - 3500 words

International corporate governance - Coursework Example he corporate sector of Australia has previously been regarded to hold the same core features as those of the United States and the United Kingdom.7 These issues will be discussed thoroughly in the later sections. The goal of corporate governance, which offers guidelines to direct the decisions and responses of the board and management, has been widely agreed to be concentrated on ‘enhancing corporate profit and shareholder gain.’8 Quite frequently this is understood as ‘maximising shareholder value,’9 and quite frequently as well can be understood as allowing profit and advantage today to the detriment of profit and advantage in the future. Indeed, temporary shareholder profit and corporate advantage is simpler to determine and easier to integrate in corporate decision making and could even be reasonable to quick fix or temporary shareholders.10 However, an exclusively short-range focus may result in inadequate ventures in training and innovation, for instan ce, so that potential competitive advantage is risked, to the absolute loss of the shareholders.11 Due to these grounds, defining the corporate objective only in relation to ‘maximising shareholder value’ is not enough. A more adequate way to define the corporate objective is ‘maximising wealth creating potential.’12 This is tantamount to sustaining the company for the gain of every shareholder by pursuing actual long-term economic growth. Theorising Corporate Governance Two major features of present-day companies are the distribution of equity among shareholders, and the separation of control and ownership.13 The concept of agency cost is defined by Jensen and Meckling (1976) as the ‘sum of (1) the monitoring expenditures of the principal, (2) the bonding expenditures by the agent, and (3) the residual loss.’14 Agency costs, more particularly, may comprise the direct losses of advantages or assets and/or expropriation because of managerial ine ptitude or lenience.15 Management, as argued by Shleifer and Vishny (1997), can carry out asset expropriation in a variety of ways, such as directly pilfering wealth from the accounts of the company, transferring the assets of the company through ‘subjective’ pricing to their own companies, or trading valuable company resources to their own companies at low prices.16 However, management lenience could be the more unfavourable kind of agency cost. Management may boost their purchase of luxuries at the expense of the company, or raise their position by enlarging the company’s size even though the expansion is not justified on competence bases.17 The direct expropriation of a company’

Bull Riding injury Risks

Bull Riding injury Risks Toughest Sport on Dirt Bull riding is an extreme sport with serious life threatening risks but have little restriction in the safety equipment that is needed to protect these athletes. Hockey, football, and even baseball all have been mandated to wear safety helmet to protect them from injury. For newer extreme sports, like snowboarding and skateboarding, the use of a helmet is rarely debated anymore. Every time out of the chute, bull riders face danger as real as the horns, hoofs and hard heads of bulls that can weigh a ton or more.(usatoday) Professional bull riders should meet the same safety gear requirements as any other contact sport. Trying to hold on to the rope and not be tossed like a rag doll on a back of a bull for eight seconds is more dangerous than playing hockey or football, in which these sports require helmets. When it comes to helmets, this little piece of foam and plastic can save a bull riders life. Just training for this sport can be disastrous The nature of this sport is brutal and is not biased. Any rider can be hurt. Although helmets are fairly new and maybe uncomfortable head and spinal injuries can be prevented with their use. No athlete in any sport can stand repeated concussions. In bull riding there are three major times when head injuries can occur. A bull rider can be jerked tossed forward and slam his head on a bulls horns. If the rider reaches eight second dismounting can be hazardous. They could get their hand tied up in the rope that is around the bull and be stomped while trying to get the rider loose. A rider can be violently thrown in the air and dropped to the hard dirt. It is unpredictable how their head is going to land and absorb the shock of the impact.   It is common sense that we use our brain for thinking and day to day body functions, without it we would just be in a vegetative state Since we do all our thinking with our brains and our brains are housed in our heads, we should do everything we can to protect this valuable asset. Wearing a helmet should become mandatory soon. It only makes sense to protect something as delicate and vulnerable as ones head. Rodeo, a sport in which the cowboy hat is as much an icon as a bucking bronco, has been reluctant to require its riders to wear helmets.(Brown) Lee Akin experienced the consequences fist hand of not wearing a helmet. When a bull weighing nearly a ton stepped on Lee Akins head one year ago at an Alabama rodeo, doctors didnt think the four-time PBR finalist would live. (Godfrey)  Another professional bull rider, Jerome Davis, met his fate in the fall of 1997. He crashed into the bull. Davis was jerked back and hit his head against the animal. He  was knocked unconscious and fell to the ground head first. The impact caused a  fracture/dislocation of the seventh vertebrae at the base of his neck. The sixth vertebrae  exploded and shattered. He was paralyzed from the neck down.( Hollen) When it comes to injuries A study of nearly 2,000 professional rodeo events between 1981 and 2005 found that half  of all injuries occurred during bull riding. Knee and shoulder injuries are most common,  according to Downey, but most alarming are the head injuries. Concussions account for  nearly 9 percent of all bull riding injuries, he notes.( Rueters) Bull riders cannot miss an event even if their injuries are minor but need time to heal. When a bull rider gets injured and cannot compete, he falls down in his rankings, risking his title and income. So knowing that, they continue to compete with concussions and other broken or dislocated body parts. As for the cowboys who do wear a helmet longevity seems to be a common theme ( Geupel) We know the cowboy hat holds great traditions of bull riders. No doubt this symbol is very meaningful to all those who live this life. Before the event ride, after the ride and at all other times, is when the cowboy hat can be worn. Lets not lose our heads and start our children on the right foot with using a helmet from day one.

The Prinicple Of Utility Essay -- essays research papers

The Principle of Utility A. 1832)  Ã‚  Ã‚  Ã‚  Ã‚   There are two main people that talked about the principles of utility and they were Jeremy Bentham and John Stuart Mill. First off I’ll talk to you about Mr. Bentham. It is helpful to see Bentham’s moral philosophy in the context of his political philosophy, his attempt to find a rational approach to law and legislative action. He argued against â€Å"natural law† theory and thought that the classical theories of Plato and Aristotle as well as notions such as Kant’s Categorical Imperative were too outdated, confusing and/or controversial to be of much help with society’s ills and a program of social reform. He adopted what he took to be a simple and ‘scientific’ approach to the problems of law and morality and grounded his approach in the â€Å"Principle of Utility.†   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  The Principle of Utility 1. Recognizes the fundamental role of Pain and Pleasure in human life. 2. Approves or disapproves of an action on the basis of the amount of pain or pleasure brought about (â€Å"consequences†). 3.Equates the good with the pleasurable and evil with pain. 4.Asserts that pleasure and pain are capable of â€Å"quantification†-and hence of measure.   Ã‚  Ã‚  Ã‚  Ã‚  As with the emerging theory of capitalism in the 18th and 19th Century England, we could speak of â€Å"pleasure† as â€Å"pluses† and â€Å"pains† as â€Å"minuses.† Thus the utilitarian would calculate which actions bring about more pluses over minuses.   Ã‚  Ã‚  Ã‚  Ã‚  In measuring pleasure and pain, Bentham introduces the following criteria: It’s intensity, duration, certainty (or uncertainty), and its nearness (or fairness). He also includes its â€Å"fecundity† (more or less of the same will follow) and its â€Å"purity† (its pleasure won’t be followed by pain & vice versa). In considering actions that affect numbers of people, we must also account for their extent.   Ã‚  Ã‚  Ã‚  Ã‚  As a social reformer, Bentham applied this principle to the laws of England-- for example, those areas of the law concerning crime and punishment. An analysis of theft reveals that it not only causes harm to the victim, but also, if left unpunished, it endangers the ve... ...od reason. We all need help at some point in time, and I hope that after we get that help we can see that we’ve been helped and maybe now is a good time for me to help out someone else. Another means of money giving is to charity. Just like welfare, charity is another good reason for our society to help people or even groups that are in need for help or research. In our society there are many people that count on others for help. The people that need help for medical reasons or what have you deserve the right to benefit from charities or other outside donations. The one thing that our society can not do is take advantage of these actions and right them off on our taxes. We can not take advantage of the taxpayers money. We need to use our society in the best way we can ethically. Cavalier, Robert http://caae.phil.cmu.edu/CAAE/80130/part1/sect4/BenardandMill.html,   Ã‚  Ã‚  Ã‚  Ã‚  2/9/00. Barry, Vincent, Applying Ethics: A Text With Readings, Wadsworth Publishing,   Ã‚  Ã‚  Ã‚  Ã‚  Belmount, 1983. Cohen, Warren, Ethics in Thought and Action, Ardsley House Publisher, New York, 1995.   Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  

Quality Service Literature

a. ) Local Literature b. ) Foreign |Literature Parasuraman et al. (1985) argued that evaluation of service quality is difficult as compared to physical goods. Physical existence of goods facilitates the customers to buy them due to its aesthetic characteristics. Services are considered as intangible because we are unable to see, touch or feel them (Hoffman and Bateson, 2002). Hanson (2000) suggested that service quality shows the organization's ability to meet customers' desires and needs.So organization must improve their services to meet the customers' wants and requirements. It is found that customers' perception of service quality is very important for managers to compete in the market (Hoffman and Bateson, 2002). Morre (1987) identified that concentration on service quality leads to differentiation that enhance the competitive position of the organization for long term benefits. Service quality and customer satisfaction became core issues for the successful survival of any servi ce organization.Service quality is considered very important indicator towards customer satisfaction (Spreng and Machoy, 1996). Service quality got popularity among professionals and academia due to increased competition. It contributes a lot to gain competitive advantage to maintain long-term relationship with customers (Zeithmal et al. 2000) Asubonteng et al. (1996) defined service quality as the difference between customers' expectations about the service before its use and their perceptions after receiving the service.Quality factors vary from one to another in reference to the importance and their impact on the satisfaction level of the customers. It was found that specific activities like increasing the speed of processing information have resulted in delighted customers. Similarly, improvement in the reliability of equipment lessened dissatisfaction (Johnston, 1997). However, it was reported that service quality is the subjective comparison between what the customers require and what they actually get (Gefan, 2002). . ) Local studies d. ) Foreign studies There are two perspectives regarding service quality i. e. one is European and other is Americans. European researchers concentrate on functional and technical aspects of services having a keen analysis of organization's image (Gronroos, 1982, 1984; Lehthinen and Lehthinen, 1982). They focus on three dimensions of service quality to measure the performance of any product by considering functional quality, technical quality and corporate image.Service quality is defined as a discrepancy between expected and perceived service. It is said that service quality is the outcome of customers' comparison between expectations and performance (Gronroos, 1982). The Americans' perspective is concentration on functional quality to measure the performance of services (Parasuraman et al. 1985, 1988, 1991; Kang and James, 2004). They investigated the service quality of different industries by dividing the service qualit y into five dimensions: tangibility, reliability, responsiveness, assurance and empathy.Firstly, they identified ten dimensions but finally service quality is refined to five dimensions (Parasuraman et al. 1985, 1991). Ibanez et al. (2006) investigated service quality dimensions and found a significant effect of service quality on satisfaction in Spain. In another study, a conceptual framework to measure service quality from the customer's perspective is empirically tested for convergent validity, uni-dimensionality and reliability (Saravanan and Rao, 2007). e. ) Relevance of the presence

Occupy Wall Street Movement - 1039 Words

Occupy Wall Street Movement Moral and Ethical Implications Occupy Wall Street Movement Moral and Ethical Implications The Occupy Wall Street Movement that started in September 2011 in Liberty Square in the Finical District was movement organized by people to expose corruptions in cooperate America. The Occupy Wall Street Movement was known, as the peaceful protest due to it’s non-violent, non-aggressive nature and spread to over a one hundred and fifty cities cross the United Sates. Moral and ethical implications are the essentially what is right or wrong This paper looks at the moral and ethical implications related to the movement and uses some common ethical theories to determine which applies best to†¦show more content†¦This is the real reason we have such an uneven distribution of wealth in this country. The positive outcomes of the movement are that it increased the public’s awareness about economic inequality. (Occupy Wall Street Movement , 2012 ). It all started with a simple slogan â€Å"We are the 99% that will no longer tolerate the greed and corruption of the 1%. † (Kroll, 2011). This movement increased awareness among the of the public and was a huge step forward for creating equality in the America (Occupy Wall Street, 2012). This movement will also bring changes in the political environment that will reduce corruption in US. Increase number of jobs programs, welfare benefits, and rebuilding infrastructure would be the outcome of this movement (Occupy Wall Street, 2012). It will also help design the structural changes that will befit a capitalist society and to reduce the uneven wealth distribution in our country (Kroll, 2011). I believe that the moment will continue to move forward and has already influenced many cities worldwide. The most important aspect of the this movement was the fact that people now saw first hand that they had the power to effect change (Longenecker, 2012). The Occupy Wall Street Movement brought revolution in America and gave the entire world the image that the people have the power to affect change. It brought attention to Americans about corporate greed and economic equality. There were some distinct moral and ethicalShow MoreRelatedThe Occupy Wall Street Movement1625 Words   |  7 PagesStarted on September 17, 2011, the Occupy Wall Street Movement began in the Financial District of New York City and has received resonance in other American cities as well as to 82 other countries. Concentrating on how the current economic system has affected peoples’ lives, the movement raised issues about the lack in democracy of the financial system, social and economic inequality, and the connection between financial and political power. The income inequality between the rich and the poor wasRead MoreOccupy Wall Street Movement1612 Words   |  7 PagesOccupy Wall Street Movement Business Ethics 309 Discuss the moral and economic implications involved in the movement. September 17, 2011 is the day the Occupy Wall Street (OWS) movement began in Zuccotti Park, located in New York City. The main issues include social and economic inequality, greed, corruption and the undue influence of corporations on government according to The New York Times. The mix of moral foundations based on ideas from the anthropologist Richard Shweder, outline sixRead MoreThe Occupy Wall Street Movement1982 Words   |  8 PagesThe Occupy Movement is an international activist movement that fosters social and economic change and originated from the actions of the Occupy Wall Street movement (source #7). The focus is on the Occupy Wall Street movement that was launched on September 17th 2011 and was catalysed by Adbusters activist Micah White. White created a web page about the corruption that was happening surrounding the financial crisis in the United States leading to the most recent recession. Large corporations basedRead MoreThe Occupy Wall Street Movement Essay1049 Wor ds   |  5 Pages Occupy Wall Street has been called many things including: unfocused, ungrounded, and silly. Others coin it as â€Å"America’s first internet-era movement† (Rushkoff). In quintessence, Occupy Wall Street is a series of protests and demonstrations that oppose the influence that corporate greed has on American Democracy. The protestors manipulate marches and nonviolent demonstrations to express their dissatisfaction with the state of American Politics and economy. This relates to the political scienceRead MoreEssay on Occupy Wall Street Movement928 Words   |  4 PagesThe Occupy Wall Street Movement that began in New York Sept. 17 and has since spread like wildfire across the world has made an undeniable impact on the social and political climate of the Upper Midwest. | With various Occupy protest committees continuing to spring up across Minnesota and North Dakota, many working people in the region who, previously, might not have come together on other political issues say they have found common ground in the Occupy Movement. Union, non-union, white collarRead More Occupy Wall Street Movement Essay1449 Words   |  6 PagesOccupy Wall Street Movement If heavy student loan debt , soaring tuition fee, climbing taxes, plummeting financial aid, nose-diving employment opportunities, exacerbating inequality between common people and wealthy class, are some of the issues that infuriate you and lead you to blame government’s generous bailing out failed banks and other financial institutions then you cannot not know about Occupy Wall Street(OWS) movement. List all information you know about your subject Occupy Wall StreetRead MoreEssay about Occupy Wall Street Movement1817 Words   |  8 Pageshead: OCCUPY WALL STREET Assignment #1 Occupy Wall Street Movement Brenda Bryant Dr. Obi. Iwuanyanwu BUS309 Business Ethics October 5, 2012 Discuss the moral and economic implications involved in the movement. 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This group was initiated by a Canadian activist and it has led to occupy protests and movements around the world. The Occupy Wall Street movement began as a collective expression due to the current economic conditions in the United States of America. Occupy Wall Street has a slogan which is We

Interracial Intimacy The Regulation of Race and Romance...

Interracial Intimacy: The Regulation of Race and Romance Works Cited Missing Regardless of our social rhetoric of color-blindness, when it comes to choosing a spouse we seem to be remarkably aware of color, at least we were legally for more than 200 years and despite legal permission, society still exacts a social opinion on the matter. Law professor Rachel Moran examines this issue in Interracial Intimacy: The Regulation of Race and Romance and argues that the promise of racial justice is tied to integrating our most personal relationships. It is not that interracial marriages will solve the race problem in the United States. However, Moran argues that the lack of them is an indication of the strength of the problem and that they are†¦show more content†¦She notes that intimate relationships between people of different races reveal our institutional unease with both color-blindness and color-consciousness. Society wants the government to ignore race in order to do justice, while it insists race must be seen to remedy injustice. Moran simultaneousl y contends that race shouldnt matter and that race does matter. She argues that distinctions between political equality and social equality have threatened both. Furthermore, different racial categories have been treated very differently. Moran makes certain to include those distinctions made during Reconstruction and the later Civil Rights Movement, which are generally perceived as positive. Penalties for black-white transgressions were often violent. However, officially, Latinos and Latinas were never subject to antimiscegenation regulations and in Virginia the Pocahontas exception meant that some families with Native American ancestry were considered white. In colonial times black slaves and white indentured servants often worked side by side, and interracial sex was not rare. Regulations arose to reinforce the boundary between free and unfree. This impetus impelled the many variations in antimiscegenation laws over subsequent years-including those directed at minimizing the number of runaway slaves, such as mulatto slaves who were thought to be particularly likely to succeed because some could pass for white, thoseShow MoreRelatedInterracial Intimacy : The Regulation Of Race Romance, Antimiscegenation Laws And The Enforcement Of Racial Boundaries Essay1153 Words   |  5 PagesCoffman Sociology 320 September 5, 2015 Title Summary: In the article â€Å"Interracial Intimacy: The Regulation of Race Romance, Antimiscegenation Laws and the Enforcement of Racial Boundaries,† Rachael E. Moran writes about the problems blacks and Asians experienced in regards to sex, marriage, and family. Laws were created addressing interracial sex and marriage with the goal of keeping whites superior to all other races. Blacks and Asians encountered many restrictions regarding whom they couldRead More Societal Views on Interracialism Throughout American History6209 Words   |  25 PagesAll of these terms at one point served to describe individuals of mixed race, particularly African and Caucasian. The controversy of interracialism has transcended generations, as well as cultures. It is a subject that, historically, has held the potential to incite savage racial discrimination, loathing, and violence. Indeed, even in today’s significantly more enlightened and politically correct views on race, interracial relatio nships and individuals still possess the potential to make many uncomfortableRead MoreInterracial Couples2405 Words   |  10 PagesInterracial marriage is more than an ethical discussion. According to Wikipedia, the free encyclopedia on the internet, interracial couple is a romantic couple or marriage in which the partners are of different races. The answer, if differences affect in multiracial couples is positive. There is a continuous debate among spouses related to the most serious issues of individual religion, nationality and education. Let us have a first look in history. In the book entitled Tell the courtRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 Pagesvii viii CONTENTS 2 2 The Individual Diversity in Organizations 39 Diversity 40 Demographic Characteristics of the U.S. Workforce 41 †¢ Levels of Diversity 42 †¢ Discrimination 42 Biographical Characteristics 44 Age 44 †¢ Sex 46 †¢ Race and Ethnicity 48 †¢ Disability 48 †¢ Other Biographical Characteristics: Tenure, Religion, Sexual Orientation, and Gender Identity 50 Ability 52 Intellectual Abilities 52 †¢ Physical Abilities 55 †¢ The Role of Disabilities 56 Implementing Diversity ManagementRead MoreLogical Reasoning189930 Words   |  760 Pagesany description? The paragraph is about Catherine the Great’s wedding in Russia in 1745. She was a sixteen-year-old bride-to-be of the seventeen-year-old future emperor. Catherine’s premarital nervousness did not come from fear of the nocturnal intimacies that marriage would demand. She knew nothing about these things. Indeed, on the eve of her marriage, she was so innocent that she did not know how the two sexes physically differed. Nor had she any idea what mysterious acts were performed when

The Necklace Essay - 700 Words

People who are driven by greed end up focusing on what they do not have instead of being grateful for what they do have. This is relevant in the short story â€Å"The Necklace† by Guy de Maupassant because Mathilde Loisel ends up losing everything she owns just because she lets greed drive her decisions and get the best of her. When receiving an invitation to an extravagant ball, she declines because she says she does not have anything nice to wear. In the beginning of the short story she says, â€Å"There is nothing more humiliating than looking poor in the middle of a lot of rich women.(Maupassant).† The reader sees how she puts value in possessions and what others think of her. After finding a dress and then borrowing a necklace that she thought†¦show more content†¦When she is given the opportunity to dress in extravagant clothing and act like she is wealthy, she found a â€Å"sense of triumph that is so sweet to a woman’s heart† (3). Mathilda Loisel’s change from the exposition of the short story to the rising action is dramatic. The reader’s first impression of the character is that she is unhappy and resentful but at the party she comes off just the opposite. She was joyful and â€Å"danced wildly, with passion, drunk on pleasure, forgetting everything in the triumph of her beauty† (3). Mathilda Loisel’s true character starts to reveal itself when the reader sees how much value she puts in possessions. The necklace serves as a symbol for greed. When Mathilda Loisel loses the necklace that she believed was worth forty thousand francs, she desperately retraces her steps and gets her husband to help her find it as well. It ends up taking ten years to pay off the debt. The ten years were hard on Mathilda Loisel and her husband, and Maupassant told the reader that she â€Å"looked old now†¦ with hair half combed, with skirts award, and reddened hands† (6). However, even after the lon g ten years of manual labor all because she lost the necklace, she â€Å"sat down near the window and though of that evening at the ball so long ago, when she has been so beautiful and so admired† (6). The necklace symbolizes that when greed controls emotions and decisions, it never leads to good results. Mathilda Loisel’s life is worse at the end of the short story thanShow MoreRelatedEssay on The Necklace1342 Words   |  6 Pagesshort story The Necklace. Its protagonist, Mathilde Loisel, longing for a lavish lifestyle rather than her middle class way of life, falls under the spell of an priceless diamond. Dealing with her fate, some of Mathildes strong character traits soon become apparent. Examining these attributes, we discover that Mathilde Loisel definitely has a negative personality. The first of many character traits of Mathilde Loisel that Maupassant makes evident in the The Necklace is greed. SheRead More The Necklace Essay1346 Words   |  6 Pages â€Å"The Necklace† Around the world, values are expressed differently. Some people think that life is about the little things that make them happy. Others feel the opposite way and that expenses are the way to live. In Guy de Maupassant’s short story, â€Å"The Necklace†, he develops a character, Madame Loisel, who illustrates her different style of assessments. Madame Loisel, a beautiful woman, lives in a wonderful home with all the necessary supplies needed to live. However, she is very unhappyRead MoreEssay on The Necklace953 Words   |  4 PagesTen years of suffering is the cost of having pleasure for only one night! In â€Å"The Necklace,† by Guy de Maupassant presents Mathilde Loisel, an attractive, charming but vacuous and selfish middle class lady transforms to selfness, poor, satisfied and hard-working lady. Even though, Mathidle owns a comfortable home and married to a faithful and kind husband, Monsieur Loisel, who seeks her happiness and satisfaction; she was u ngrateful to the things that she had been given, because her greed and desireRead MoreEssay on The Necklace751 Words   |  4 PagesThe Necklace â€Å"The Necklace† by Guy De Maupassant tells of Mathilde Loisel who â€Å"by error of destiny† was born poor and winds up marrying a clerk. Mr. Loisel surprises Mathilde with an opportunity to taste the luxurious life for an evening and she unexpectedly bursts into tears because she has nothing to wear. Mr. Loisel agrees to buy her a gown and suggests that she borrow jewelry from her wealthy friend. The evening turns out to be a dream come true until the Loisels arrive home to find thatRead MoreAnalysis of The Necklace Essay883 Words   |  4 PagesBickford English 1102 6 February 2006 Analysis of The Necklace Many women dream of living a rich life, full of luxury, riches and servants. In the short story The Necklace by Guy de Maupassant, a middle-class woman named Madame Loisel desires that life style very much. In The Necklace Madame Loisels vain desires cause many conflicts and her ultimate downfall. One small conflict in the story is Madame Loisel vs. her husband. He is always trying to make his wife satisfied and she neverRead More Necklace Assessment Essay1006 Words   |  5 PagesNecklace Assessment The story begins by showing the reader the main character, Mathilde Losiel. The narrator tells the reader about Mathildes thought towards her life. The character seems unhappy because she thinks that by some error she was born lower in the hierarchy, than she was made for. You are drawn into the story when you see the differences between her supposed life and the life she is living. You feel that she might get to live her supposed life when the story progresses. YouRead MoreMaupassant’s The Necklace Essay1606 Words   |  7 Pagesof living in the upper class. Although Mathilde was born into the average middle class family, she spent her time daydreaming of her destiny for more in life... especially when it came to her financial status. Guy de Maupassant’s short story, â€Å"The Necklace†, tells a tale of a vain, narcissistic housewife who longed for the aristocratic lifestyle that she believed she was creditable for. In describing Mathilde’s self-serving, unappreciative, broken and fake human behaviors, de Maupassant incorporatesRead MoreEssay about The Necklace: the Development of Irony615 Words   |  3 PagesThe Necklace: The Development of Irony by Kimberly Ednie Mrs. Connolly ENC 1102 M-W-F 9:00AM Short Story Essay January 29, 1997 Guy de Maupassants The Necklace is situational irony written in 1884. The story was written in a time when there were very distinct social classes primarily determined by ones birth. It is about a woman who can not come to terms with her position in the middle class. Although she knows she can not escape her class, she refuses to accept it gracefully.Read MoreThe Diamond Necklace Affair Essay1286 Words   |  6 PagesThe Diamond Necklace Affair Marie Antoinette, Queen of France from 1770 to 1797 was despised by the people of France. Their hatred of her and the monarchy in general led to the French Revolution. Many issues led to the unpopularity of Queen Maria Antoinette, her vanity, her disregard for the people, but perhaps the most significant was the Affair of the Diamond Necklace. In 1785, the court jewelers, Bohmer and Basange, constructed a necklace with five hundred and fortyRead MoreEssay Confused Values in The Necklace670 Words   |  3 Pages Confused Values in The Necklacenbsp;nbsp; To some people, class distinction is very important. Usually we think of class distinction as being of most importance to the higher classes, those who can afford to look down on the rest of the world, but sometimes this concept is of most importance to those who occupy the lower steps of society. These are the people who are stuck where they are, but feel that their true places are at the top of the social ladder. The character of Mme. Loisel in Guy

Car Wash Business Model free essay sample

SCHOOL OF HOSPITALITY, TOURISM CULINARY ART DIPLOMA IN INTERNATIONAL HOTEL TOURISM MANAGEMENT FINANCIAL MANAGEMENT I BC 008 GROUP ASSIGNMENT TAN HANN LUN 54311 CIA SIN YIN 54015 SAIM SHIN YEE 53845 LAW JIA HUI 53962 LEOW SIEW MUN 53569 HENG LUAN SIANG 54283 DATE OF SUBMISSION 25TH OCTOBER 2010 LECTURER MR ROMZEE ACKNOWLEDGEMENT First and foremost, we as a team would like to thank Mr Romzee, who is our Financial Management I subject’s lecturer. We have been given the chance to brainstorm on an idea to start a business and produce a complete business plan. Despite of the obstacles and difficulties we faced throughout the planning stage, we are very grateful and thankful as this project had really make us to think with creativity and innovatively in order to create a totally new and convincing business plan. In the beginning, we had a good kick start. Our ideas flown in like a river stream and we had spent some time to determine the best idea. In between, our team had undergone some vigorous discussions and arguments as we argued on the pros and cons of our ideas regarding the preparation of business plan and the feasibility of the business in reality. Finally, we made up our mind to select the idea of starting a car wash business. In between the progress of completing the research, our team faced some fierce arguments on the method of calculation, control system and management system. Nevertheless, we were able to sort everything out and continue with our progress. Lastly, we were grateful and thankful that we were able to finish the assignment according to the schedule. Content 1. Introduction 1. 1 Name and address of business 1. 2 Name and address of principal (owners) 1. 3 Nature of business 1. 4 Statement of financing needed 2. Executive Summary 3. Industry Analysis 3. Future outlook and trends 3. 2 Analysis of competitors 3. 3 Market segmentation 4. Description of business 4. 1 Product 4. 2 Service 4. 3 Size of business 4. 4 Office equipment and personnel 4. 5 Background of entrepreneurs 5. Production Plan 5. 1 Physical plant 5. 2 Machinery and equipment 5. 3 Names of suppliers of raw materials 6. Operational Plan 6. 1 Descri ption of company’s operation 6. 2 Flow of orders for goods and services 6. 3 Technology utilization 7. Marketing Plan 7. 1 Pricing 7. 2 Distribution 7. 3 Promotion 7. 4 Product forecasts 7. 5 Controls 8. Organizational Plan 8. 1 Form of ownership 8. 2 Management team background . 3 Roles and responsibilities of members of organization 9. Assessment of Risk 9. 1 Evaluate weaknesses of business 9. 2 Contingency plans 10. Financial Plan 10. 1 Assumptions 10. 2 Budgeted Cash Flows (5 years) 10. 3 Budgeted Income Statement (5 years) 10. 4 Budgeted Balance Sheet (5 years) 10. 5 Break-even Analysis 10. 6 Sources and application of funds 11. Conclusion 12. Appendix 13. References 1. Introduction 1. 1 Name and Address of Business The name proposed for the business is BlitzWash Car Wash. The address of the business is 6, Jalan Segambut Selatan, 51200 Kuala Lumpur. 1. 2 Name and Address of Principal There will be six shareholders in this business who are: * Tan Hann Lun PT 239, Kg Budi, Jln Tawang, Tmn Mesira 16150 Bachok, Kelantan. * Cia Sin Yin PK 14, Parit Pulai Serom, 84410 Muar Johor. * Law Jia Hui No 2, Jalan Sg long 7/11, Bandar Sg long batu 10 1/11 43000, Kajang Selangor. * Leow Siew Mun 33, Jalan SS 2/51 47300 Petaling Jaya Selangor. * Saim Shin Yee 24, Taman Maju Sungai Klau, 27630 Raub, Pahang. * Heng Luan Siang No. 41 Bukit Permata Jalan Persiaran, Taman Sri Gombak Batu Caves 68100 Selangor 1. 3 Nature of Business The BlitzWash Car Wash is a new business which involves in the car wash industry. BlitzWash will provide car wash service in variety forms such as external car wash, inner cleaning, and polishing. In addition, we will also provide customers with a wide selection of car related accessories such as air freshener, car wax, car shampoo and anti slip map. The warehouse is consisting of 11,000 square feet land area and 7,500 square feet of built up area. The capacity of the warehouse is able to fit approximately 6 cars each turnover. 1. 4 Statement of Financing Needed Start Up Costs| Budgeted (RM)| Accountancy Service| 550. 00| Advertising and Promotion for Opening| 2,988. 00| Cash| 50,000. 00| Remodelling and Rebuilt| 4,200. 00| Insurance| 386. 20| Operating Equipment| 17,783. 00| Installation of Equipment| 2,000. 00| Office Equipments and Supplies| 10,119. 15| License and Legal Costs| 100. 00| Pantry Equipments and Supplies| 1,672. 00| Rental Deposits| 30,000. 00| Salaries| 11,637. 00| Starting Inventory| 45,110. 90| Signboard| 720. 00| Unanticipated Expenses| 30,000. 00| Total Expected Costs| 207,300. 29| Suggested Operating Capital To Break Even| 207,300. 29| 2. Executive Summary Company: BlitzWash Professional Car Wash 6, Jalan Segambut Selatan, 51200, Kuala Lumpur. Business Type: Car Wash Company Summary: BlitzWash is formed to own and operate a car wash service centre consisting of six service bays and one automatic bay. The business will be located on Jalan Segambut Selatan in Segambut Pusat, Kuala Lumpur, Malaysia. BlitzWash will develop a well equipped, attractive, low maintenance, customer friendly car wash facility. The car wash will service the local community in an effort to develop a loyal base of repeat customers as well as draw new customers from the surrounding communities and attract the areas growing local and commuter traffic. Management Tan Hann Lun, Shareholder, Manager Tan Hann Lun will be responsible for operational and financial management, sales, marketing and promotion. He comes from a family business background. He brings extensive knowledge and experience in the field of banking, finance, sales and marketing. Law Jia Hui, Sahreholder, Assistant Manager Law Jia Hui will be responsible for human resources management and financial management. She has a strong a base as a HR manager in one of the famous firm in Kuala Lumpur. As a result, she brings extensive knowledge and experience in the areas of project/program management, contract administration, and labour management. Market: The Company’s target market will consist of primarily individual customers. The population demographics consist of a mix of newer single-family homes and townhouse developments, older residential areas, scattered mobile home parks and apartment dwelling as well as other commercial shops. BlitzWash will also target local businesses and will attract customers from surrounding communities and commuter traffic. Product and Services: The Company will provide state-of-the-art, reliable, customer friendly products and services, including a six-selection wash packages, and several accessory product and food/drink. For the customers convenience, the automatic bay will provide a complete, detailed exterior wash. Competition: The Company has no direct competitors from the same category in the area. However, there are three hand car wash service centres which are install in petrol station. They will provide the competitive market in terms of price. Uniqueness: Several factors will make the BlitzWash car wash unique. The company will offer a modern, easily accessible, high quality car wash facility featuring a variety of income producing services, including vacuums, fragrance machines, and carpet shampooers. Management will actively promote the companys service through local advertisements, cross-couponing with local merchants, direct mail promotions and promotional giveaways. Summary of Financial Projections | 2011| 2012| 2013| 2014| 2015| Sales | | | | | | Operating Expenses| | | | | | Total Assets| | | | | | Pre Profit| | | | | | 3. Industry Analysis 3. 1 Future Outlook and Trends The car wash of the future will be very similar to those of today. They will still be located near busy intersections and fuel stations, and will offer a variety of vehicle cleaning services for a reasonable price. The major difference between the car wash of today and that of the future will be the presence of fewer individual car wash owners in the business. The competitive nature of the future market will push out business owners who fail to properly market their wash. Those that succeed will find what works within the future market and replicate it. In the next ten to twenty years the primary competitor will be the car wash franchise. Across Malaysia there will be nationally recognized car washes that all offer the same menu of services at nearly the same price. When a consumer drives up to a car wash of the future they will expect the same quality of service as the car wash on the other side of the country. Entrepreneurs will still own the car washes of the future, but the business model will stress consistency and uniformity. A consumer can visit a car wash for the very first time and already have a preset expectation in their mind of what washes are available, the quality of the wash, and approximately how much money will be deducted from their personal wash account for that particular car wash chain. In the future, cash will no longer be the mainstream form of payment. Harnessing the power of the Internet and advanced communications technology, all of these franchise businesses will be tied together within one large payment network. Customers will hold unprecedented control over their account settings. Saving receipts and passing out tokens will recede into the past because Fleet Managers will now run their own activity reports and manage their account balance Online from anywhere in the world. Purchasing and managing car washes will be just as secure as online banking. Successful car washes of the future will rise to the top, not only because the owners knew how to better clean a car, or provided the very best service. The car washes of the future will offer a standard menu of options and consistent level of service that a customer can count on at each and every wash around the world. 3. 2 Competition and Business Trends There  are three other hand car wash shops in Segambut Pusat. They have been in the industry for approximately two to three years and are trying to compete with automatic car washes by offering low prices. Their operation stations are installed within petrol station. However, they are not targeting the customers who seek quality cleaning. The customers who BlitzWash is targeting have their cars washed based on the quality of the job. They do not mind spending a little more each week to have their car washed and waxed  in order to keep the paint work in excellent shape. The businesses that BlitzWash targets will be more cost conscious, so the prices will be approximately 15% less for these customers to promote volume usage. 3. 3 Market Segmentation BlitzWash segments its customers by type of car ownership. We believe that the type of car that a person owns says volumes about their driving, and, therefore their car washing and detailing requirements. New car owners: Owners of newer cars are most likely to use a hand car washing service. These owners take great pride in their cars and will bring them often to the wash and detail service. The goal with these customers is to promote regular use of the wash and detail service. The aim is to inform these customers that BlitzWash will keep their car looking as good as it did the day they drove it off the lot. Older luxury car owners: These people have either owned their high-end luxury cars for several years or are unable to afford the expense of a new luxury car but want the feel of relaxed driving. Both of these groups want to keep their cars in the best shape possible. Those who have bought second-hand cars will often spend many hours in their cars and will place high importance on keeping their cars looking good. These owners will bring their cars in for regular washes and occasional details. Sports car owners: These people are often younger or middle-aged men and will regard  the look of their car as important. They will also pride themselves on the look of their car and will have their car hand washed (at least) weekly. These drivers will have an  occasional detail, but will keep their cars so clean the  detail will not be necessary very often. Lifetime owners: Many of these people have owned their cars for more than five or six years, and  are more likely to be women. They are attached to their cars as friends and though it may be more sensible for them to purchase a new car, they will bring their car in for a wash occasionally, just when the car is dirty. They like their cars to look presentable, and want to keep it in good shape but are not tied up in the look of their car. For this reason, they will not have a detail carried out on their car unless they are selling it. Local businesses: Some local businesses have fleets of cars and small vans that must be kept clean to maintain their company image. These businesses will be  looking for a cost effective, efficient car washing service to perform this service, and will prefer to use a car wash service during the week rather than during weekends, like the general public. Market Analysis| | Year 1| Year 2| Year 3| Year 4| Year 5| | Potential Customers| Growth| | | | | | CAGR| New Car Owners| 15% | 12,500 | 14,375 | 16,531 | 19,011 | 21,863 | 15. 00% | Older Luxury Car Owners| 10% | 7,200 | 7,920 | 8,712 | 9,583 | 10,541 | 10. 00% | Sports Car Owners| 15% | 6,500 | 7,475 | 8,596 | 9,885 | 11,368 | 15. 00% | Lifetime Owners| 10% | 17,000 | 18,700 | 20,570 | 22,627 | 24,890 | 10. 00% | Lo cal Businesses| 7% | 9 | 10 | 11 | 12 | 13 | 9. 63% | Total| 12. 28% | 43,209 | 48,480 | 54,420 | 61,118 | 68,675 | 12. 28% | 4. Description of Business 4. 1 Products Our main products are the car wash packages offered to our customers. The packages are categorized as below: Individual Consumers (i) Express This service is only inclusive of the washing of exterior part of a car. The process will take the time of approximately 8 minutes. A car will go through the tunnel mode washing machine where water spraying and foaming will cover the car. Dirt is easily been removed. The detergents used are environmental friendly. (ii) Interior Service This service is inclusive of the cleaning of interior part of a car. The process will take approximately 10 minutes. A car will be thoroughly vacuumed, carpet washing, leather polishing and install with a hanging scent paper. (iii) Full Wash Service This service is inclusive of both the washing of exterior and the cleaning of the interior part of a car. The combination of both the service is with the car being manually washed and the interior being completely cleaned by going through the same process as in interior service. (iv) Waxing This service will include the express wash as waxing can only be done after a proper car wash in order to achieve the best result of waxing. The waxing of a car prevents the paint from fading, protects it against chemicals and gives you car shiny look. (v) Polishing This service of polishing is by using polisher to make exterior and interior part of a car to look shiny and smooth. The car will have a brand new look as it sparkle on the road. (vi) Full Treatment This service is inclusive of the full wash service where the exterior and interior are clean with high quality and environmentally friendly detergents. In addition, the car will also be waxed and polished. A selected flavour of car paper scented will be installed in the car with free of charge. Organizational Consumers (i) Monthly Contract In this contract, we will have an agreement with selected organization in order to ensure our normal weekday sales do not tumble vigorously when compared to our weekend sales. Therefore, the agreement with the organization will help to balance up the average sales in a month. For the terms and conditions, the organization will need to fulfil in terms of volume of cars send for our car wash. For example, the minimum volume needed to fulfil by the organization is 60 cars. We also indicated that the cars are allowed to be sent only on weekdays. To package the contract and make it more attractive, we will provide the organization with 5% commission of total sales obtained from the organization and the commissions will be paid in the next month. The contract will only valid for the month which the contract being legally signed. Hence, by applying this system, our monthly sales will not severely affected by the seasonal patterns. (ii) Quarter Yearly Contract In this contract, the system works similarly to the monthly contract. The difference is the time period has been extended from a month to 4 months. The organization will be given a new minimum volume of cars which is 250 cars in 4 months time. In addition, the percentage of commissions will also increase to 10% of total sales obtained from the organization. Payment of commissions will be done monthly. The contract will only valid for the 4 months which are legally indicated in the contract. Thus, with this contract, the stability of our sales will increasingly strengthen. Car Care Products| Geft1 Wash ; Shine Car Shampoo 1 Liter| Geft1 Liquid Wax 500ml| Geft1 Metallic Crystal Wax 500ml| Geft1 Windshield Wiper Fluid 435ml| Geft1 Leather Care 500ml| Geft1 Auto UV Protectant 320ml| Geft1 Radiator Coolant 500ml| Geft1 Tyre Shine ; Gloss 320ml| Geft1 Wet Look Shine 500ml| Geft1 Engine Shine 2 in 1 500ml| | Car Care Accessories| Little Wagon Glass Squeege| Metallic Sunshade| size S| size M| size L| Side Pocket (Acebell)| Non Slip Mat 2pcs (Low Audio and Video)| Little Wagon Non Slip Mat| Car Seat Tray (Acebell)| Visor CD Holder (Low Audio and Video)| Side Drink Holder TomCat | Hanger| Seat Cushion (DB Enterprise)| Seat Mat (DB Enterprise)| Lumbar Support (DB Enterprise)| Total| Car Air| ATTRACT| flavor Lemon| flavor Ocean| flavor Osmanthus| flavor CK-II| Cuppad Paper Scent Cup-15 | Total| Beverage| Coca-Cola 325ml| Coca-Cola 500ml| Vanilla Coke 325ml| Vanilla Coke 500ml| 100 Plus 325ml| 100 Plus 500ml| 100 Plus Lime 325ml| 100 Plus Lime 500ml| Sprite 325ml| Seasons Soya 325ml| Seasons Chrysanthemum 325ml| Seasons Cincau 325ml| Seasons Ice Lemon Tea 325ml| F;N Orange 325ml| F;N Strawberry 325ml| F;N Ice Cream Soda 325ml| F;N Grape 325ml| F;N Zapple 325ml| Aquarius 600ml| Aquarius 1. 5 Liter| In addition to the diversification of products in our shop, we have included the sale of care related accessories. Items are listed as below: Side Pocket (Acebell)| Non Slip Mat 2pcs (Low Audio and Video)| Little Wagon Non Slip Mat| Car Seat Tray (Acebell)| Visor CD Holder (Low Audio and Video)| Side Drink Holder TomCat | Hanger| Seat Cushion (DB Enterprise)| Seat Mat (DB Enterprise)| Lumbar Support (DB Enterprise)| | Car Air| ATTRACT| flavor Lemon| flavor Ocean| flavor Osmanthus| flavor CK-II| | | Beverage| Coca-Cola 325ml| Coca-Cola 500ml| Vanilla Coke 325ml| Vanilla Coke 500ml| 100 Plus 325ml| 100 Plus 500ml| 100 Plus Lime 325ml| 100 Plus Lime 500ml| Sprite 325ml| Seasons Soya 325ml| Seasons Chrysanthemum 325ml| Seasons Cincau 325ml| Seasons Ice Lemon Tea 325ml| F;N Orange 325ml| F;N Strawberry 325ml| F;N Ice Cream Soda 325ml| F;N Grape 325ml| F;N Zapple 325ml| Aquarius 600ml| Aquarius 1. 5 Liter| 4. 2 Service The service concept that has been applied into our business is a fast, efficient, professional yet affordable car wash services. In current fast moving society, we will have to anticipate the flows of customers to be swift. With this concept, we would like to create the ambience of modernity accompanied with the advance technology and high quality detergents to ensure the utmost satisfaction of our customers when they used our services with the minimal time consumption. The time consumption differs from package to package as the services included in the packages are different. The time consumption for each packages are as tabled below. Packages| Weekdays| Weekends| Express| 8 minutes| 5 minutes| Interior| 10 minutes| 8 minutes| Full Wash Service| 15 minutes| 12 minutes| Waxing| 12 minutes| 10 minutes| Polishing| 10 minutes| 7 minutes| Full Treatment| 30 minutes| 25 minutes| In this competitive world, we will have to follow the path of our customers as we are market oriented operation. Therefore, we will provide our guests with the Wi-Fi service in our shop. We believe that by providing Wi-Fi service, we could exceed the guests’ expectations as now they will be able to access into Internet and continue their works especially our customers who are involved in the business world such as executives. In order to ensure their comfort in their waiting time, we will provide benches and tea table sets for them. In a nutshell, with the extra services provided to our customers, we are convinced that we will be able to meet our customers’ satisfaction. 4. 3 Size of Business This business will be invested with a capital of RM300, 000. The business will have 11 employees with a manager, an assistant manager, two administration clerk, two sales representatives and five washing staff. Averagely we will have total sales of about RM50, 000 per month and the operating expenses of about RM100, 000 per month inclusive of inventories of stocks. We are estimating to expand our business with additional RM200, 000 capitals from SME loan. The fund will be allocated to the diversification of the business as a new warehouse will be acquired to expand the operation size. Hence, we are looking forward to become the pioneer of the car wash industry in Segambut. . 4 Office Equipment and Pantry Equipment In our office, we will be equipped with the items as followed: Items| Qty| MOSES Swivel Chair| 2| VERNER Swivel Chair| 1| SNILLE Swivel Chair| 4| KARLSTAD Corner Sofa| 1| BESTA Shelf Unit| 2| MICKE Desk| 3| SHARP FO-P610 Fax Machine| 1| HP LaserJet Pro M1132 MFP Printer| 2| Sharp Cash Register XE-A102| 1| Acer Desktop Set Veriton X27 5-254X With V193HQ LCD| 3| York Cooling King Essential 1. 5HP| 1| Letter Tray| 3| Rubbish Bin| 3| In our pantry, we will be equipped with the items as followed: Items| Qty| NORDEN Bench| 2| LG Microwave Oven MS-2347GR| 1| Midea Water Dispenser Promotion with Water| 1| Laver Table and 4 Chairs| 2| 5. Production Plan 5. 1 Physical Plant Figure 1. 1 Floor Plan of Warehouse Figure 1. 2 Floor Plan of Pantry Figure 1. 3 Floor Plan of Office Figure 1. 4 Floor Plan of Rest Room 5. 2 Machinery and Equipment The machinery and equipment in our operation are listed as below: Machinery| Qty| Gantry Car Wash Machine QLX-10| 1| Wisen High Pressure Water Spray| 2| Beta Max High Speed Vacuum| 2| Benma High Pressure Foam Spray| 2| Benma High Pressure Water Spray| 2| Car Polisher NE-326B 6 inches 96351660| 2| Display Chiller 2 Door| 1| Billy Series Bookcase | 2| Steel Floor Fan Swing| 5| Warner Chemical MSG. CompanyInsta Finish Car Glow Shampoo 1 gallon| Insta Finish Carpet Clean 1 gallon| Insta Finish Super Foam 1 gallon| Insta Finish Fabric Spot Cleaner 1 gallon| Insta Finish Buff N Shine 1 gallon| Carnauba Cream Wax 1 gallon| Body Shop Spray Wax 1 gallon| Insta Finish Drying Agent 5 gallon| Insta Finish Foaming Prep Shampoo 5 gallon| GF One Chemical Sdn. Bhd Geft1 Wash ; Shine Car Shampoo 1 Liter| Geft1 Liquid Wax 500ml| Geft1 Metallic Crystal Wax 500ml| Geft1 Windshield Wiper Fluid 435ml| Geft1 Leather Care 500ml| Geft1 Auto UV Protectant 320ml| Geft1 Radiator Coolant 500ml| | Geft1 Wet Look Shine 500ml| Geft1 Engine Shine 2 in 1 500ml| | Conceptwin Centre Sdn BhdLittle Wagon Glass Squeege| Little Wagon Non Slip Mat Little Wagon Hanger Tom Cat Side Drink Holder| 5. 3 Name of Suppliers of Raw Materials Geft1 Radiator Coolant 500ml| Geft1 Tyre Shine ; Gloss 320ml| Geft1 Wet Look Shine 500ml| Geft1 Engine Shine 2 in 1 500ml| Conceptwin Centre Sdn BhdLittle Wagon Glass Squeege| Little Wagon Non Slip Mat Little Wagon Hanger Tom Cat Side Drink Holder| Acebell (M) Sdn BhdMatellic Sunshade * size S| * size M| * size L| Side Pocket | Seat Tray Car seat tray| Low Audio and Video Sdn. Bhd| Non Slip Mat 2pcs | Visor CD Holder | DB EnterpriseSeat Cushion | Seat Mat | Lumbar Support BeveragesF;N Beverage Marketing Sdn. Bhd| 6. Operational Plan 6. 1 Description of Company’s Operation BlitzWash Car Wash is a process-focussed as well as product-focussed operation whereby we focus on the washing process in minimising the time consumption yet not deteriorating the quality of our service products. With a warehouse of 7, 500 square feet, we have expanded the warehouse into 10, 000 square feet through renovation, as to maximise our space for machinery and higher carrying capacity. Besides that, our location is strategically located in Segambut Pusat where we are surrounded by car service centres and car dealerships. Thus, we believe we have huge potential business opportunity in this location. For car wash operation, customers who have selected the express package will be directed into the tunnel mode car wash machine by our staff that will be controlling the traffic flow at the entrance. As their cars are exiting the tunnel, there are direction signs to acknowledge them of the traffic flow towards the main exit of our shop. Along their path to exit, they will pass by the cash counter where they will make their payment for our service. In addition, for customers who have selected other packages, they will be directed to the designated parking lots for further service process. We have provided a rest room for the customers who will need to wait for the cars to be serviced. There is Wi-Fi service provided in our shop for customers. To add in extra revenue for our business, we do also have beverage sales where drinks are being sold to mainly customers who have seek for our car wash services. In BlitzWash Car Wash, every Monday is an off day for the business. For the operation hours, in weekdays, our car wash be in operation starting from 10 a. m. to 8 p. m. while for weekends, we are operating starting from 8 a. m. to 9 p. m. We do also apply the policy of working on holidays where double payment will be given to our washing staff but not management staff. However, there are holidays which we are close for operation such as Labour Day. In short, we are fully equipped with sufficient machinery and equipments with devoted employees to cater for the huge car wash industry in Segambut. 6. 2 Flow of Orders for Goods and Services Basically, we will make an order for goods monthly. In every month, the last week will be the closing week for our shop where an inventory check will be performed by our administration clerk. Once the remaining stocks have been keyed in into the computer system, appropriate purchase orders will be produced. Our detergents and car care products are ordered through online whereas our beverage stocks are ordered through sales representative and phone calls. The receiving of goods will be monitored by administration clerk as the logistic transportation arrived. We will only receive goods on weekdays. 6. Technology Utilization In terms of technology, we have brought in advance technology into our business operation. For car wash service, we have the Gantry Car Wash Machine QLX-10 which can operate for long hours swiftly and efficiently. This tunnel mode machine consume a time period of five to eight minutes per car for every single wash. While for manual car wash services, we have high qu ality and efficient water spray machines, foam spray machines, and polishers. For daily monetary sales, we have the cash register installed at our counter for recording every sale transactions occurred in our shop. This Sharp Cash Register XE-A102 has widely spaced keys lessen the chances of hitting the wrong key and its small footprint means it takes up the minimum counter space without sacrificing functionality. The 9-digit LED display is incorporated to clearly show the user price, total, change, and time. Four departments have been pre-programmed at the factory to minimise setup time. Two of them are preset for vatable items and two are preset for non-vatable items. Besides that, by simply turning the key to the Flash mode and pressing one key the store manager can get a quick look at the days sales. The Flash report can quickly display sales totals by department or for the whole store as well as the cash in drawer amount. A memory-equipped calculator function for whole number calculations can be activated with the mode switch. Therefore, we will be able to accurately monitor the daily sales of products in each category in order to calculate the contribution of revenue gained from each category. For administration, we have two set of Acer Desktop Set Veriton X275-254X with V193HQ LCD in our office for the documentation of every activity in our business. The Veriton X275 delivers key technologies and efficient utilities to meet our business and multitasking needs. The professional-looking black tool-less chassis is perfect for any corporate setting, while powerful components and robust management features ensure business success. The X275 features Veriton ControlCenter, a fast-access panel that comprises handy utilities for optimizing energy settings, instantly loading frequently used applications at startup, transferring data and personal settings to another PC seamlessly, and protecting your data from threats. Whats more, Acer Security Suite ensures document security and corporate privacy, while Acer Client Manager simplifies MIS and company network operation for remote management of common IT tasks. The system in the computer will assist us in monitoring the flows of our business in all aspects such as sales, operational costs, human resources, and inventory. Moreover, we also have two sets of HP LaserJet Pro M1132 MFP Printer which they have the functions of printing, scanning and copying. The printer is able to print as fast as 8. 5 seconds per paper with a duty cycle of up to 8000 pages per month. We have a SHARP FO-P610 Facsimile Fax Machine to help us in the sending of documents such as purchase orders to our suppliers. This transmission time needed for this fax machine is approximately 15 seconds. In summary, with all these technologies being utilized in our business operation, we believe that this will assist us in a smoother and more systematic monitoring of our business operations. 7. Marketing Plan 7. 1 Pricing Price is the amount charged for a product by the provider to customer. This is the most flexible element of marketing mix yet this is also the element which will cause us the most troubles. In the process of price setting, we have included several factors which affect our pricing decisions. Firstly, our marketing objective has been set as current profit maximization which means we will try to make as much profit as we can. Besides that, we are applying the concept of cost based pricing as well where we emphasise on covering on our costs. Along the process, we have undergone a product-bundling pricing stage among our shareholders. This process is to find the maximum price a customer will pay for a product in our shop. The final pricing are shown in the tables below. Due to the price elasticity of demand, we are bound to have promotional pricing. We follow the seasonal pattern of the weather as weather is the biggest environmental factor which will directly affect our sales. For our promotion, we have created discounted prices on our car wash packages during our promotional period in order to increase the demand for car wash services. For Car Wash Packages Products| Unit Costs(RM)| Unit Price (RM)| Profit Percentage (%)| Express| 2. 436| 12. 00| 79. 70| Interior| 5. 106| 16. 00| 68. 08| Full Wash Service| 9. 166| 25. 00| 63. 34| Waxing| 13. 392| 30. 00| 55. 36| Polishing| 5. 41| 20. 00| 70. 79| Full Treatment | 25. 963| 50. 00| 48. 07| Cost Details of Car Wash Packages Products| Details| Express| Foaming Prep (100ml) – RM1. 205Drying Agent (100ml) – RM1. 205Water (0. 013 m3) – RM0. 026| Interior| Carpet Clean (100ml) – RM1. 889Fabric Spot Cleaner (100ml) – RM3. 191Water (0. 013 m3) – RM0. 026| Full Wash S ervice| Carpet Clean (100ml) – RM1. 889Super Foam (100ml) – RM2. 171Fabric Spot Cleaner (100ml) – RM3. 191Glow Shampoo (100ml) – RM1. 889Water (0. 013 m3) – RM0. 026| Waxing| Foaming Prep (100ml) – RM1. 205Drying Agent (100ml) – RM1. 205Cream Wax (150ml) – RM6. 27Spray Wax (150ml) – RM4. 86Water (0. 013 m3) – RM0. 026| Polishing| Buff N Shine (150ml) – RM5. 841| Full Treatment| Glow Shampoo (100ml) – RM1. 889Carpet Clean (100ml) – RM1. 889Super Foam (100ml) – RM2. 171Fabric Spot Cleaner (100ml) – RM3. 191Buff N Shine (150ml) – RM5. 841Cream Wax (150ml) – RM6. 27Spray Wax (150ml) – RM4. 686Water (0. 013 m3) – RM0. 026| Calculation of Car Wash Packages Cost Drying Agent 1 bottle = 5 gallons = 18927. 05 ml 18927. 05ml / 100ml = 189. 27 ? 189 cars 1 bottle = RM227. 70 RM227. 70 / 189 = RM1. 205 100ml usage for a car ? RM1. 205 per car Foaming Prep 1 bottle = 5 gallons = 18927. 05 ml 18927. 5ml / 100ml = 189. 27 ? 189 cars 1 bottle = RM227. 70 RM227. 70 / 189 = RM1. 205 100ml usage for a car ? RM1. 205 per car Glow Shampoo 1 bottle = 1 gallon = 3785. 41 ml 3785. 41ml / 100ml = 37. 85 ? 38 cars 1 bottle = RM71. 775 RM71. 775 / 38 = RM1. 889 100ml usage for a car ? RM1. 889 per car Carpet Clean 1 bottle = 1 gallon = 3785. 41 ml 3785. 41ml / 100ml = 37. 85 ? 38 cars 1 bottle = RM71. 775 RM71. 775 / 38 = RM1. 889 100ml usage for a car ? RM1. 889 per car Super Foam 1 bottle = 1 gallon = 3785. 41 ml 3785. 41ml / 100ml = 37. 85 ? 38 cars 1 bottle = RM82. 50 RM82. 0 / 38 = RM2. 171 100ml usage for a car ? RM2. 171 per car Fabric Spot Cleaner 1 bottle = 1 gallon = 3785. 41 ml 3785. 41ml / 100ml = 37. 85 ? 38 cars 1 bottle = RM121. 275 RM121. 275 / 38 = RM3. 191 100ml usage for a car ? RM3. 191 per car Buff N Shine 1 bottle = 1 gallon = 3785. 41 ml 3785. 41ml / 150ml = 25. 23 ? 38 cars 1 bottle = RM146. 025 RM146. 025 / 25 = RM5. 841 150ml usag e for a car ? RM3. 843 per car Cream Wax 1 bottle = 1 gallon = 3785. 41 ml 3785. 41ml / 150ml = 25. 23 ? 25 cars 1 bottle = RM156. 75 RM156. 75 / 25 = RM6. 27 150ml usage for a car ? RM6. 7 per car Spray Wax 1 bottle = 1 gallon = 3785. 41 ml 3785. 41ml / 100ml = 25. 23 ? 25 cars 1 bottle = RM117. 15 RM117. 15 / 25 = RM4. 686 150ml usage for a car ? RM4. 686 per car Water 0. 013 m3 usage for a car 0. 013m3 x RM2. 07 = RM0. 026 Water tariff = RM2. 07/m3 For Car Care Products, Car Care Accessories and Car Air Products| Unit Cost(RM)| Unit Price(RM)| Profit Percentage (%)| Geft1 Wash Shine Car Shampoo 1 Liter| 6. 175| 9. 50| 35. 00| Geft1 Liquid Wax 500ml| 9. 54| 13. 50| 29. 33| Geft1 Metallic Crystal Wax 500ml| 10. 43| 15. 90| 34. 40| Geft1 Windshield Wiper Fluid 435ml| 4. 875| 6. 0| 25. 00| Geft1 Leather Care 500ml| 10. 43| 14. 90| 30. 00| Geft1 Auto UV Protectant 320ml| 7. 35| 10. 50| 30. 00| Geft1 Radiator Coolant 500ml| 3. 185| 4. 90| 35. 00| Geft1 Tyre Shine Gloss 320ml| 5. 10| 8. 50| 40. 00| Geft1 Wet Look Shine 500ml| 9. 45| 18. 90| 50. 00| Geft1 Engine Shine 2 in 1 500ml| 7. 475| 11. 50| 32. 65| Little Wagon Glass Squeege| 7. 425| 9. 90| 25. 00| Metallic SunshadeSize SSize MSize L| 5. 538. 2811. 13| 7. 9011. 9015. 90| 30. 0030. 4230. 00| Side Pocket (Acebell)| 8. 385| 12. 90| 35. 00| Non Slip Mat 2pcs (Low Audio and Video)| 1. 96| 2. 80| 30. 00| Little Wagon Non Slip Mat| 1. 3| 1. 90| 30. 00| Car Seat Tray (Acebell)| 15. 33| 21. 90| 30. 00| Visor CD Holder (Low Audio and Video)| 3. 44| 4. 30| 20. 00| Side Drink Holder TomCat | 6. 23| 8. 90| 30. 00| Hanger| 3. 99| 5. 70| 30. 00| Seat Cushion (DB Enterprise)| 38. 43| 54. 90| 30. 00| Seat Mat (DB Enterprise)| 16. 835| 25. 90| 35. 00| Lumbar Support (DB Enterprise)| 23. 34| 38. 90| 40. 00| ATTRACTflavor Lemonflavor Oceanflavor Osmanthusflavor CK-II| 1. 111. 111. 111. 11| 25. 0025. 0025. 0025. 00| 95. 5695. 5695. 5695. 56| For Beverages Products| Unit Cost(RM)| Unit Price(RM)| Profit Percentage(%)| Coca-Cola 325ml| 1. 167| 1. 0| 22. 20| Coca-Cola 500ml| 1. 583| 2. 00| 20. 85| Vanilla Coke 325ml| 1. 167| 1. 50| 22. 20| Vanilla Coke 500ml| 1. 583| 2. 00| 20. 85| 100 Plus 325ml| 1. 167| 1. 50| 22. 20| 100 Plus 500ml| 1. 583| 2. 00| 20. 85| 100 Plus Lime 325ml| 1. 167| 1. 50| 22. 20| 100 Plus Lime 500ml| 1. 583| 2. 00| 20. 85| Sprite 325ml| 1. 167| 1. 50| 22. 20| Seasons Soya 325ml| 1. 083| 1. 50| 27. 80| Seasons Chrysanthemum 325ml| 1. 083| 1. 50| 27. 80| Seasons Cincau 325ml| 1. 083| 1. 50| 27. 80| Seasons Ice Lemon Tea 325ml| 1. 083| 1. 50| 27. 80| FN Orange 325ml| 1. 416| 1. 50| 5. 60| FN Strawberry 325ml| 1. 416| 1. 0| 5. 60| FN Ice Cream Soda 325ml| 1. 416| 1. 50| 5. 60| FN Grape 325ml| 1. 416| 1. 50| 5. 60| FN Zapple 325ml| 1. 416| 1. 50| 5. 60| Aquarius 600ml| 0. 50| 1. 00| 50. 00| Aquarius 1. 5 Liter| 1. 00| 2. 00| 50. 00| 7. 2 Distribution Distribution is the process of making a product or service available for use or consumption by customers. In our business operations, we do ha ve distribution channels where a set of independent organizations as intermediaries being involve in the process. The use of intermediaries results from their greater efficiency in making goods available to targeted markets. The chart below is showing the distribution channel functions. Information Promotion Contact Matching Negotiation Physical Gathering and distributing marketing research about the environment Developing and spreading persuasive communications about an offer Finding and communicating with prospective buyers Shaping and fitting the offer to the buyer’s need Agreeing on price and terms of the offer so ownership or possesion can be transfered Distribution: transporting and storing goods Financing Acquiring and using funds to cover the costs of channel work Distribution Key Function Channel Risk Taking Assuming financial risks such as the inability to sell inventory at full margin Furthermore, the Internet is quickly becoming an effective distribution channel. The internet never closes and it allows companies to tangibilize their products and services. It reaches broad geographic areas which will help in market development. Other than that, the internet allows interaction with customers and saves labor cost. In our business operations, we have several organizational buyers which actually also served as our intermediaries to obtain more customers. We are targeting intermediaries from four sectors which are tabled as below. Therefore, with these 4 sectors as our major intermediaries, we believe that these distribution channels will help us to obtain larger market share. 7. 3 Promotion In our business operation, promotion is indeed an important element to boost our sales. For our opening, we will be holding the opening ceremony with invited lion dance and free buffet. Through this, we are hoping to get free publicity in the local news coverage. However, we will only apply promotion activity on the months which we predicted to be low in sales such as April which is in the rainy season. To attract more customers during low season, we will set up a discounted price packages for the promotion period. This information will be disseminated through the distribution of flyers in the local newspaper. We are not focusing much on the promotional events as we believe that normal daily sales and contract sales are sufficient to ensure no loss occurred in our yearly sales. In addition, we believe that during festival seasons, they will contribute to more sales in our business. In short, we do have promotional activities but we do not emphasizing on it. 7. Product Forecasts For our business in five years, we will have no changes in providing our service as in our car wash packages, car care products and beverages. We believe that our planning of these items is sufficiently able to cater to the market demand. Although modern world requires creativity to strive for highest profit in business, we believe that with these products, we are able to gain our Return of Investment (ROI) i n these five year planning periods. Moreover, in the car wash industry, the demand is increasing gradually with the increasing statistic of new car sales. People will need to wash their cars as to prolong their cars’ lifetime and always keep in good image. In this dynamic and fast moving decade, car wash service which is fast, efficient and value added will the first choice for them. In brief, we strongly believe that our packages will be in strong demand as we cater for all categories of car wash service with worthy price charged. 7. 5 Controls Controls will be divided into several aspects which will be elaborated in below: Establishing Standards: In order to control stocks, there will be three types of standards to establish which are quality, quality and standard costs. Quality standard is the degree of excellence of raw materials, finished products and work force. Quantity standard is the measurement of weight, count or volume used to make comparisons and judgments. Standard cost is the calculation of cost of goods and services identified, approved and accepted by management. Record and Report: Manager can extract information about the business operations, cash flows and stocks flow from records and report. However, reports can be very general and sometimes even bias. Manager need to be objective, focus on the issues involved and not rely on reports totally to make decisions. Specific reports would be more useful. Information in reports helps the manager to monitor the effectiveness of staff and processes. Prepare and Follow Budgets: Budgets are financial plans prepared for the future period and they are standards set to help control sales and cost. Actual costs and sales are compared with the budgets to make judgment on effectiveness of operations, employees’ actions and other relevant issues. 8. Organizational Plan 8. 1 Form of Ownership The form of ownership for our business is partnership. A capital of RM300, 000 has been invested into the business. The shares of the capital have been hold by six shareholders which are Tan Hann Lun, Law Jia Hui, Cia Sin Yin, Heng Luan Siang, Saim Shin Yee and Leow Siew Mun. The contribution of RM 300, 000 are divided by percentage to six shareholders which are Tan Hann Lun RM 96, 000 (32%), Law Jia Hui RM78, 000 (26%), Heng Luan Siang RM33, 000 (11%), Leow Siew Mun RM 33, 000 (11%), Saim Shin Yee RM30, 000 (10%) and Cia Sin Yin RM30, 000 (10%). The profit sharing of the business will be referring to the percentage of the capital share held by each shareholder whereas every shareholder is entitled for a 5% interest per annum on theirs capitals share. . 2 Management Team Background Manager: Tan Hann Lun (32% of capital share). He was from the business’s background and he was the main shareholder of the car wash business. Assistant Manager: Law Jia Hui (26% of capital share). She had experience in human resource management and financial management. Sales Representative: Heng Luan Siang (11% of capital share). He had wide social network. He is skillful in communication skills which is an essential element as a sales person. Sales Representative: Leow Siew Mun (11% of capital share). He had large connections as he had a few years’ experiences as a sales person. Administration Clerk: Cia Sin Yin (10% of capital share). She had experience in accountancy and administrative process. Administration Clerk: Saim Shin Yee (10% of capital share). She has experience in accountancy and administrative process. 8. 3 Roles and Responsibilties of Members of Organization Manager: The manager will monitor the whole business operations and govern all the staff under him. He will also have to monitor the cash flow of the business to prevent any abuse on business fund. All major decisions affecting the business will have to obtain consent from the manager. Assistant Manager: The assistant manager will assist the manager in ensuring the smooth flow of business operation. She will also control the cash counter in order to reprimand any shortage of cash at the end of the operation day. All administrative and financing is under her supervision as well. Sales Representative: The sales representative will hold the responsibility of looking for new intermediaries to increase the contribution of contract sales. They also need to ensure the stability of the relationships with our intermediaries by providing the best service. Administration Clerk: The job description for administration clerk is to organize and prepare all the documents needed for business operation such as printing invoices, sales report and stock report. 9. Assessment of Risk 9. 1 Evaluate Weaknesses of Business Location: Our location is located in the centre of industrial area. Therefore, the location is not strategically suitable to attract individual customers. Target Market: We have low potential opportunity for market development as we are surrounded by mostly commercial shops where we could not expand into the residential customers market. Price: Our pricing is slightly higher than the other car wash operators in the radius of 10km where we could differentiate ourselves from the competitors through product differentiation yet we also put ourselves into the condition of losing sales to our competitors as their prices are cheaper than us. Promotion: The nature of our business does not suit the promotional activities as there are not many promotions could be done other than discounting the prices. 9. 2 Contingency Plan For contingency plan, we have come out with plans to counter the emergency cases. If we suffer from the lack of cash liquidity, we will apply for loans to increase the amount of capital or the cash in hands. With loans from bank being approved, we could continue our business. If we suffer from losses, we could minimize our losses by letting other party to acquire our business. We could also change the business into other business such as car care products distributor. 10. Financial Plan 10. 1 Assumptions Our assumptions for sales forecasting are mainly depends on the weather forecast and festive seasons. Refer to appendix for weather forecast and festive seasons that we targeted for year 2011. For every following years, the figures will increased by 2%. Car Wash Sales (2011) Maximum Capacity| Volume of Cars| Weekdays | 100 cars| Weekends| 200 cars| Weekdays (work 10 hours, an hour break time) * Car wash machine – 8 minutes per car 60/8 = 7 cars per hour 7 cars x 9 hours = 63 cars per day * Manual wash – 15 minutes per car 60/15 = 4 cars per hour 4 cars x 9 hours = 36 cars per day Maximum capacity in weekdays = 63 cars (Machine) + 36 cars (Manual) = 99 cars, so we round out to 100 cars per day. Weekend (work 13 hours, an hour break time) * Car wash machine – 5 minutes per car 0/5 = 12 cars per hour 12 cars x 12 hours = 144 cars per day * Manual wash – 12 minutes per car 60/12 = 5 cars per hour 5 cars x 12 hours = 60 cars Maximum capacity in weekend = 144 cars (Machine) + 60 (Manual) = 204 cars, however we put 200 cars as maximum capacity in weekend. Distribution of packages 1. External (RM12) – 60% 2. Internal (RM16) – 3% 3. Full wa sh (RM25) 29% 4. Wax (RM30) – 2% 5. Polish (RM20) – 4% 6. Full Treatment (RM50) – 2% Contract distribution 1. Bridal 60? 2. Car Service centre 80? 3. Travel agency 100? 4. Car Dealer 20? Operation Day (Monday off) (work 27days) 1. Weekday – 19 days 2. Weekend – 8 days Sales Target – 80 % of the occupancy 80% of occupancy sales 1. Weekday – 1520 cars per month 2. Weekend – 1280 cars per month Weekday for contract Contract Contribution| Minimum number of car send per month| Service provided | Sales of contract($$)| Bridal| 60| Full Treatment| RM3000| Car Service Centre| 80| Full wash| RM2000| Travel Agency| 100| Full wash| RM2500| Car Dealer| 20| Full Treatment| RM1000| | | | Total : RM8500| Weekday Sales Prices of packages| Distribution of package| No. of car| Sales per day| Sales per month| RM12| 60%| 768| RM477. 47| RM9072| RM16| 3%| 28| RM32| RM608| RM25| 29%| 365| RM480. 26| RM9125| RM30| 2%| 25| RM39. 47| RM750| RM20| 4%| 50| RM52. 63| RM1000| Rm50| 2%| 25| RM65. 79| RM1250| | Contract| 260| RM447. 37| RM8500| | | | Total: RM1594. 99| Total: RM30305| Weekend sales Prices of Packages| Distribution of Package| No. of car| Sales per day| Sales per month| RM12| 60%| 768| RM1152| RM 9216| RM16| 3%| 38| RM 76| RM 608| RM25| 29%| 371| RM 1159. 38| RM 9275| RM30| 2%| 26| RM 97. 5| RM 780| RM20| 4%| 51| RM 127. 5| RM 1020| Rm50| 2%| 26| RM 162. 5| RM 1300| | | | Total: RM2774. 88| Total: RM22199| Car wash sales in year 2011 Month| Feb| Mac| Apr| May| June| July| Aug| Sept| Oct| Nov| Dec| Target sales| 85%| 63%| 70%| 70%| 78%| 83%| 90%| 86%| 71%| 76%| 81%| Car Care Products Setting quantity of the car product sales by going ups and downs around 3% to 5% every single month. The figure setting by looking 10% of the total quantity on the first month and maintain the sales until end of the years. We setting the figure based on the quantity not total sales. We do maintain the quantity of the car product to reach the average selling. Beverages Soft Drinks 325ml – RM1. 5 per can 500ml- RM2 per bottle 1 carton – 24 cans / bottles Sales (can 325ml)Sales (bottle 500ml) 4 carton x 24 cans = 96 cans3 carton x 24 bottles = 72 cans 96 cans x RM1. 5 = RM14472 bottles x RM2 = RM144 Mineral water 600ml- RM1 per bottle 1. 5L – RM2 per bottle 1 boxes 24 bottles Sales (bottle 500ml)Sales (bottle 1. 5L) 5 boxes x 24 bottles = 120 bottles5 boxes x 24 bottles = 120 bottles 120 bottles x RM1 = RM120120 bottles x RM2 = RM240 Assumption of Beverage cost Soft drinks (325ml 500ml) 325ml – coca cola, coca cola vanilla, 100 plus, 100plus lime,sprite Cost / (cartonx24cans) = cost per can 28/24 = RM1. 167 per can 500ml- coca cola, coca cola vanilla, 100 plus, 100plus lime Cost / (cartonx24bottle) = cost per bottle 38/24 = RM1. 583 per bottle 325ml- Season’s soya, chrysanthemum, cincau, Ice lemon tea Cost / (cartonx24cans) = cost per can 26/24 = RM1. 083 per can 325ml – FN orange, strawberry, ice cream soda, grape, zapple Cost / (cartonx24cans) = cost per can 34/24 = RM1. 417 per can Mineral Water Aquarius 600ml 12/24 = RM0. 50 per bottle 1. 5 Littler 12/12 – RM1 per bottle Salary We do follow the labor law in Malaysia. EPF and Socso will be given after the staff confirmation by the organization. The period will be 3 months started from the first working day. The salary was following the survey in the industries. After the confirmation that will be allowance given based on the position. e. g. Admin clerk * Salary RM1000 * Allowance RM200 * EPF 100011%=RM110 * Socso RM4. 75 RM1000-RM110-RM4. 74+RM200=RM1085. 26 Electricity and Water The consumption of electricity and water will depends on the car wash sales of the month concerned. Electric Tariff = RM0. 397 per kWh Water Tariff = RM2. 07 per m3 10. 2 Budgeted Cash Flows (5 years) Refer to appendix 10. 3 Budgeted Income Statement (5 years) Refer to appendix 10. 4 Budgeted Balance Sheet (5 years) Refer to appendix 10. 5 Break-even Analysis Based on our calculation in the year 2011, Total sales = RM763, 789. 60 Total Variable cost = RM235, 613. 01 Total Fixed Cost = RM188, 440. 75 Contribution = RM528, 176. 59 C/S Ratio = 0. 692 Therefore, the BEP of sales is = RM188, 440. 75 x 1/0. 692 = RM272, 313. 22 10. 6 Sources and Application of Funds Name| Amount of Invest| Shares Hold| Tan Hann Lun| RM 96, 000| 32%| Law Jia Hui| RM 78, 000| 26%| Heng Luan Siang| RM 33, 000| 11%| Leow Siew Mun| RM 33, 000| 11%| Saim Shin Yee| RM 30, 000| 10%| Cia Sin Yin| RM 30, 000| 20%| Total| RM 300,000| 100%| The sources for the capital fund are self-financed by the shareholders themselves. This capital fund will be fully being invested into the business. Funding for equipments, stocks, and renovations will be allocated from the fund. 10. Conclusion In conclusion, our business plan is a feasible plan and worth for investment. With all the supportive data, we conclude that car wash business is indeed a profit-earner business. 11. Appendix Sample Shareholder Agreement AGREEMENT made and entered into as of the ________ day of ____________, 2XXX , by and among John Doe, residing at [specify address] (hereinafter Doe), and Mark Smith, residing at [specify address] (hereinafter Smith), and XYZ, Inc. the Corporation). W I T N E S S E T H:WHEREAS, all of the issued shares and outstanding stock of the Corporation are owned in the following percentages: Doe 50% Smith 50% WHEREAS, the Shareholders hereto deem it to be in the best interest of the Corporation to act together concerning the management of the Corporation as well as to make provision for the contingency of the death or disability of any Shareholder and to set forth the manner and method by which a Shareholder may sell his stock during his lifetime. NOW, THEREFORE, IT IS MUTUALLY AGREED AS FOLLOWS; FIRST: MANAGEMENT AND OPERATION OF THE CORPORATION A. 1. Directors and Officers. For the duration and term of this Agreement, the Shareholders will elect and continue in office as Directors of the Corporation the following: Smith Doe The Officers of the Corporation shall be: Smith President; Treasurer Doe Vice President; Secretary B. Voting. All decisions within the ordinary course of business shall be made by the unanimous consent of both the President and the Vice President, who shall have equal say in the management of the ordinary course of business of the Corporation. In addition, for the purposes of selling, terminating, liquidating, entering loans or changing the basic purposes of the Corporation, the quorum and voting requirements shall be 100 percent of all shareholders and/or directors. Simultaneously herewith the Certificate of Incorporation is being amended to provide for the terms of this section. C. Checks. All cash, checks and instruments for the payment of monies are to be deposited in the Corporations bank account. All checks drawn upon such account are to be signed jointly by the President and Vice President and/or their nominees. D. Salaries. The President and Vice President agree to draw equal salaries, as voted upon by the Board of Directors of the Corporation. E. Employment. The President and Vice President agree to work full-time and exclusively for the Corporation. Neither party shall be permitted to own an interest in, operate, join, control, participate in directly or indirectly, or be connected as an officer, employee, agent, independent contractor, partner, stockholder or principal of or in any corporation, partnership, firm, association, person or other entity soliciting orders for, selling, distributing or otherwise marketing products, goods, equipment and/or services which directly or indirectly compete with the business of the Corporation, without the express written consent of the other, which consent shall not be unreasonably withheld. Both parties shall provide such services to the operation of the Corporation and Corporate business as shall be deemed proper and necessary, including keeping each other informed of all letters, accounts, writings and other information which shall come to their attention concerning the business of the Corporation. Both parties shall keep or cause to be kept full records of each transaction of the Corporation and shall maintain such records at the principal office of the Corporation at [specify address], or at the principal office of the Corporations accountant. Said records shall be open for inspection and examination by each of them, or their duly authorized representative, at all reasonable times. Notwithstanding the foregoing, each of the Executive officers above named agree to be employed by the Corporation and the Corporation agrees to employ them under the following terms and conditions: 1. The employment of each such Officer shall continue so long as he is a Shareholder of the Corporation. 2. Each Executive Officer devotes all of his working time, energy and attention solely and exclusively to the business of the Corporation, and none of his working time to any other firm or business without the written consent of the other. 3. In the event any Executive Officer terminates his employment with the Corporation or it is determined by arbitration as hereinafter provided that such Officer has breached the terms of his employment hereunder, by committing acts constituting just cause to terminate such employment as determined by the arbitrators, or by failing to render exclusive time and attention to the business of the Corporation, or by participating, either directly or indirectly, in another business competitive with the business of the Corporation, then either of any such occurrences shall be deemed an offer to sell all of the shares that such Officer owns in the Corporation at the price, terms and conditions set forth in this Agreement. F. Disability. In the event either Shareholder is unable to perform the normal duties of his employment due to physical or mental disability, then the following shall apply: 4. During the first three hundred sixty five (365) consecutive days of such disability the Corporation shall pay to the disabled Shareholder such weekly salary and compensation as was then being paid to the disabled Shareholder prior to the onset of disability. 5. After three hundred sixty five (365) consecutive days of disability, no further compensation or salary shall be paid to the disabled Shareholder. 6. After three hundred sixty five (365) days of such disability, the Corporation and the remaining shareholder shall, at any time thereafter and prior to the resumption of the normal duties of employment have the right to purchase all shares of stock of the disabled Shareholder as if the disabled Shareholder offered to sell all of his shares in the Corporation at the same price, terms and conditions set forth in the Article of this Agreement entitled Lifetime Sale of Shares. . There shall be deducted from any salary paid to a disabled Shareholder all payments received by the disabled Shareholder from any private or public disability insurance, the premiums of which were paid for by the Corporation. G. Indemnity. In the event any Shareholder is held personally liable for any liability of the Corporation, then the other Shareholder shall inde mnify him against fifty percent (50%) of any such personal liability. H. Death Of A Shareholder. In the event of the death of a Shareholder, the legal representative of his Estate shall be required to sell all of decedents shares of stock of the Corporation and he shall be deemed to have offered all of said shares to the Corporation and surviving Shareholder. 8. Acceptance. The Corporation shall be deemed to have accepted the offer to purchase as many shares as it may legally purchase. In the event the Corporation is unable to legally purchase all of such shares, the surviving Shareholder shall purchase those shares which the Corporation cannot legally purchase. 9. Closing. Closing shall be held at the office of the attorney for the Corporation, [specify attorney], on a date and time to be mutually agreed upon but no later than ten (10) days after either the determination of the purchase price or appointment of a legal representative for the decedents estate, whichever is later. The article of this Agreement entitled Manner Of Payment, sets forth the documents and papers to be executed and/or delivered at closing. 10. Purchase Price. The purchase price of a deceased Shareholders stock shall be determined by the Shareholders in writing every six (6) months. If no such written determination has been agreed upon within six (6) months from date of death, then the price shall be fixed at the gross commission income received by the Corporation during the preceding full fiscal year. 11. The Corporation may obtain life insurance policies on the lives of each of the Shareholders. In the event such life insurance policies are so obtained, then the Corporation shall collect the proceeds thereof, hold same as trustee and turn same immediately over to the legal representative of the deceased Shareholder as payment on account for decedents share of stock. In the event said insurance proceeds exceed the amount of the purchase price as hereinabove provided, then the legal representative of the decedent shall retain the amount of said proceeds as payment in full for decedents stock. In the event the purchase price of decedents stock as hereinabove provided exceeds the proceeds of insurance, then the balance of the purchase price shall be paid pursuant to the article of this Agreement entitled Deferred Payment. The amount of the insurance collected by the Corporation on decedents life shall in all events constitute the minimum purchase price to be paid by the Corporation for the shares of the decedent. 12. If one of the two (2) Shareholders should die, and if the remaining Shareholder should die within ninety (90) days after the death of the first Shareholder, then, notwithstanding any agreement to the contrary, neither the Corporation nor the Estate of the second deceased Shareholder shall be obligated to purchase, nor shall the Estate of the first deceased Shareholder be obligated to sell the stock held by said Estate. In such event, the proceeds of the life insurance on the lives of both Shareholders shall be delivered to the Corporation and shall belong exclusively to the Corporation, which shall be immediately liquidated and dissolved, and the proceeds of liquidation, after payment in full of the liabilities of the Corporation shall be paid to the Estates of the deceased Shareholders, proportionately to the stock interest of the deceased Shareholders in the Corporation. 13. In the event the Corporation is not legally able to purchase all or part of said shares and the surviving Shareholder fails or refuses to purchase all or the balance of such shares as hereinabove provided, and such failure or refusal continues for a period of ten (10) days after written notice by the personal representative of the deceased Shareholder to the Corporation and surviving Shareholder, the parties do hereby agree that the Corporation shall and will be liquidated and dissolved forthwith and all salaries of all Officers and Directors shall immediately cease. The Corporation shall pay to the Estate of the decedent from the first proceeds of liquidation (after deducting or paying all liabilities of the Corporation), a sum equal to the purchase price for decedents shares (as hereinafter provided), less a sum equal to all insurance proceeds received by such Estate from life insurance policies owned by the Corporation. I. Lifetime Sale Of Shares. No Shareholder of the Corporation shall sell, transfer, pledge, hypothecate or assign or in any way dispose of all or any part of his stock except by sale to the Corporation or the other Shareholder as hereinafter provided. All of the stock certificates of the Corporation shall contain an endorsement that they are subject to the terms and provisions of this Agreement which shall state the following: The transferability of the stock represented by this Certificate is restricted by an Agreement filed with the Corporation among the parties hereto, bearing date the ________ day of _____________, 199 , a copy of which Agreement may be examined at the office of the Corporation. 14. Offer. In the event a Shareholder desires to dispose of his stock in the Corporation, he shall offer by certified mail, return receipt requested, all of his shares to the Corporation and the other Shareholder at the purchase price set forth herein. The Corporation shall have the first option to purchase as many of the shares as it can legally purchase. If the Corporation cannot legally purchase all of the stock or fails to indicate acceptance of the offer by certified mail, return receipt requested, within twenty (20) days from the receipt of the offer, then the remaining Shareholder shall have the option to purchase all or the remaining balance of said shares. The remaining Shareholder if he desires to purchase the stock as offered, shall indicate his acceptance by certified mail, return receipt requested, to the seller and to the other Shareholder, within thirty (30) days after the receipt of the original offer. The purchase price shall be the smaller of: (a) the agreed upon valu